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@gordy101 Low risk also means low reward. It might help if you're just starting out, but once you've got your financial feet under you, it's alright to move away from them. That said, I do have 1 CD with Navy Fed, that I keep re-upping when it matures.

@sharklordy The problem is, a lot of people see the word "budget" and think of it like the word "diet" is mostly used nowadays - a short spurt of eating healthy (being frugal with money) to lose a few pounds (save X amount of dollars), only to go back to the bad eating (spending) habits that got...