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A savings account is a deposit account held at a retail bank that pays interest but cannot be used directly as money in the narrow sense of a medium of exchange.

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https://www.youtube.com/watch?v=i3QdEe4UH-I

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General Savings Tips

1. Build an emergency fund

2. Establish your budget

3. Budget with cash and envelopes.

4. Don't just save money, save

5. Save automatically

6. Aim for short-term savings goals

7. Start saving for your retirement as early as possible

8. Take full advantage of employer matches to your retirement plan.

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Saving is income not spent, or deferred consumption

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Annuities

An annuity is a contract between you and an insurance company, in which the company promises to make periodic payments, either starting immediately—called an immediate annuity—or at some future time—a deferred annuity. Learn about the different types of annuities.

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Bonds

A bond is a loan an investor makes to an organization in exchange for interest payments over a specified term plus repayment of principal at the bond’s maturity date.

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Stocks

When you buy shares of a company’s stock, you own a piece of that company.

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Generally speaking, investments can be categorized as income investments or growth investments.

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Investing is buying assets such as stocks, bonds, mutual funds or real estate with the expectation that your investment will make money for you.