There are many different ways to invest your money to provide for a financially secure future. Many people invest in stocks and bonds, but I think good old- fashioned savings accounts and CDs (certificates of deposit) are the best way to invest your hard-earned money. Stocks and bonds are often risky, and it doesn't make sense to risk losing the money you've worked so hard for. True, regular savings accounts and CDs can't make you a millionaire overnight or provide the high returns some stock investments do. But by the same token, savings accounts and CDs are fully insured and provide steady, secure interest on your money. That makes a whole lot of cents.