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Investment advice from my best friend in the world, Phillip Antley...

"The best way is to open up a Roth IRA, which directly invests into mutual funds. It's technically a retirement account, but after 5 years a Roth allows you to make "qualified disbursements", or penality free withdrawls for certain things such as the downpayment for your first home, college tuition, medical expenses, etc. You could open it and put in what you normally would for your retirement, but also put in the extra for your house downpayment...mutual funds have been earning about 12% over the past 50 yrs...not a bad return....Toni and I both have one, you can open them for as little as $50 I think. Even if you don't plan on buying a house, you need to get one and start saving now for your future."

Audio: French Kicks "Two Thousand"