A student of mine is very very intelligent when it comes to the market. He invested in electric companies. He started with 3k and within 8months sold for 28k. He's got the touch. I've been saving up and I'm just now starting to sit down to figure out what I want to do with my money. If I can get 20%ish I'll be a happy camper. Roth IRA's are good but I can't cash them out if I get into a pinch.