Invest for the future via the following format. 1.) Invest in a traditional or a Roth IRA! 2. Put your money in 4 and 5 star mutual funds! 3.)Diversify, diversify, diversify as you invest! 4.)Dollar-cost-average monthly to accrue wealth! 5.)Reinvest your dividends and capital gains! 6.) Invest for the long-term in long-term winners! 7.) Buy low and sell high to time the market.