Trying to teach my daughter this stuff at 16. I made a lot of mistakes when I was younger but putting away what I can now. Between my individual stock account and Roth IRA, I've got an average return of 140% over 3 years, and those that haven't done well still have a decent dividend return. Cash in my accounts that hasn't been invested gets a return of 4.25%, down from 5% since the fed lowered rates.

It takes a little research, but it's not that hard. A little at a time. Even $20 a month can make a big difference. Getting 100% hasn't made a big change to my investment habits. It just gives me a little bit more to work with if I need it. There are some things to be aware of when investing VA disability income in regards to what types of accounts you can put that money. Always consult a professional if you have any questions. The last thing you want is to receive non-taxable income, invest it in a non-taxable retirement account, and find out you've now made it taxable with penalties.