Real estate and taxes are too expensive where I live in NJ. I've never had any investments. I've started reading about investing, but it's all new to me and will take a very long time before I understand it enough to be confidant about making investment choices. In a savings account, I'm losing money everyday. I'm not rich at all, I gross 50K a year, but I'm a pretty good saver, saving at least half of my take home pay. Seems like investing is kind of the only option but it's like learning a new language, I'm nowhere near that stage.