You could use the Pay Yourself First method. This means you can set up a savings program that takes practically right from your checks. This way your pay into your savings program (IRA, Roth IRA, or Money Market) right away. The absolute best way to save is with some sort of automatic program like this. It works without you having to do anything aside from getting it set up somewhere.

 

Only problem is they're taking your money out of checking and putting it into savings for you. You really want to save? Get deployed to a remote location where there's nothing to spend your money on. You'll easily come back with 10g's after 4 months. Or you could fill all the cubbies in your box with your change. I think I'm up to about 20 bucks just in the ipod holder next to the e-brake

 

capitalone.com high yield savings above 4.5% give it a try, hooks up to your checking like paypal, you can transfer, automatic transfers yada yada yada...

 

4.5% isnt high at all. Let me put it in perspective. Saving at 4.5% will take you 16 years for your money to double.

So lets say that you have $10,000 you wanna invest. Just 1 amount. No additional payments. It will take 16 years for that money to grow to $20,000. If you invest at 12% your money double every 6 years.

After 32 years at 4.5%, you have $40,000. After 36 years at 12% you have $640,000. In both of those examples you invested only 1 amount of $10,000.

I know most people dont have $10k to invest just like that. But if you put away $100 a month, every month for 6 years. You will have saved $7200. After 36 years you saved $460,800. So 4.5% is nothing, its practically right at inflation