Which do you do? I was going to buy into some stock, but now I am considering just opening a money market account. Honestly I am just being lazy, it is easier for me to open a money market account for DH and I and an IRA for our son through our bank. If I buy stocks it is lots of paying attention and tracking progress. I just feel too lazy to keep up some days.

I would go money market right now.

Some stocks are doing great and they are projecting a steady rise. I just don't feel up to doing it and my loving DH just says whatever you think dear...lol! I am glad he lets me do as I please, but sometimes his input would be nice. I guess I better start making phone calls and continue on with my research.

I have an aggressive growth fund and a money market fund.

I have an IRA, a money market (that was started for me as a child) and I have stocks that have also been purchased by both my IRA options and my family as I was growing up.

I'm confused as to why you would open an IRA for your child? Not that there is anything wrong with it. I've just never heard of that. I would open an IRA for your DH and you and then a money market for your child. Usually IRAs reinvest part of your investments into stocks. I don't know a whole lot about it though...

There are a lot of different types of IRA's. We will be setting up a Roth IRA for my husband and myself in the future, but as of right now we want to get another investment going first. We have discussed an MMA, IRA, or Education IRA for our son and have not decided on a definite, it all depends on the rates available. We had stocks before my husband enlisted, but they were sold to help with living expenses while he was in boot camp. So now I am undecided as to how we should reinvest.

We have Roth IRA's.

We follow Dave Ramsey so we dont invest until we are debt free

I have just about every kind of account you can imagine: stocks, money markets, different kinds of funds, roth IRA, reg. IRA, short-term savings and long-term savings.

If you are willing to put time into it, stocks are a good way to go, even now with the economy, companies always still make money. I have about 50% stocks and 50% other funds.

I have money market & IRA

I have a money market account and a checking account. Now that I'm working and I get my survivorship check I am going to put my paychecks into my money market and then pay all of my bills with my survivorship check. I do it that way because I think of my money market account as my "emergency do not touch money." It grows interest every month and all it does is sit there so that's nice.

We follow Dave Ramsey so we dont invest until we are debt free

The only debt we have are the student loans I just took out last month. We only have a small limit credit card for emergencies and nothing financed. yay! It made me ill to take out those student loans, I hate debt.

If you are willing to put time into it, stocks are a good way to go, even now with the economy, companies always still make money. I have about 50% stocks and 50% other funds.

I know I should, but I am feeling lazy and indecisive apparently. An MMA would be easy, but I know I can do more with stocks. I have given myself the first week on September to decide what to invest in.

We will start our Roth IRA's next year. Right now I want to concentrate on buying stocks and starting some funds for my son and the baby (the baby who hasn't even been conceived yet...lol).

I appreciate the input everyone.

You can buy stock in a self-directed ROTH account for both yourself and your husband. Certain places will let you open accounts that you can make your yearly contributions and use those funds to put toward, mutual funds, stocks, cds, etc.

Money market accounts don't really see much return on them, especially now cause rates dropped. But are still a good place to keep your money.

I wish someone would've opened me a custodial IRA or ROTH when I was younger. It would've given me a huge head start on retirement. But don't forget about yourself first. You don't want your kids paying out of their pockets when you get old and can't pay your own bills.

Don't forget about mutual funds.
But investments are only worthwhile if you can afford to "buy and hold" for 10-20 years overall.