Investing your hard earned money

Many of us only know of savings accounts, CD's and Money Market accounts. A few of us know about mutual funds and 401K's because we learned about them from our place of employment. Are there any creative ways to save or invest our money? There sure are. One of easiest ways is to buy life insurance, not your regular types of life insurance but the ones you can borrow from. Over time those same life insurance policies can earn interest and grow larger than the original policy maximum. My husband took out a policy over 20 years ago. That same policy has enabled us to borrow from it and pay it back. The original amount was for $100K but now is worth close to $600K and he no longer has to pay the premiums because the interest on the amount is paying the premiums for him. That is something you should look into before you turn 45 because after that age the premiums per month go up.