At this stage in your life, putting your money in a savings account may be the most you can do.

Savings rates are at historically low levels, so it is even more important that you find the most advantageous interest rate for your savings account. Go to Bankrate.com, where you can search and compare interest rates on checking and savings accounts in your local area and nationally. What is the best rate you can find in your local area? How does that compare to nationally available rates?