Teaching is my first career. I am still pretty young, single with no kids or house. I feel like I will be renting forever. I have no savings and tons left to pay on student loans. I know my retirement package is pretty good but I am always hearing about young people getting mutual funds and things that they can not touch. I want to save money for my future kids and to buy a house etc. I have a normal savings account but anytime I put money in there its gone when I need it just because I know its there and I can touch it. Any suggestions to a younger teacher on how to save money or what types of things I should invest in. I have an appointment scheduled to talk with someone about a mutual fund but I want to have some ideas before I go in there. What do you have or what would you suggest? I also do not have a lot of money to put down. I like in a cd you need about 3,000 to start. I surely do not have that.