Shun investments promising high rates of return -- more return means more risk of losing your money. Instead, stash your cash in a savings account, money market mutual fund, self-directed IRA or certificates of deposit. Dear Liz: I am 27 and make a great salary and commission for my age. I recently set a personal goal of having $30,000 saved by the time I turn 30 as a down payment to buy my first home. But I am at a loss about the best way to make the most of this money.

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