The average person is risk-averse and won't take any chances with their money. Understandable, at least for now. However, we still need to keep our money working, even if we receive a small return on investment.

The Super Safe Savers will get you heading in the right direction, with little to no risk. However, their biggest disadvantage is losing ground to inflation.

The Super Safe Savers include high yield savings accounts, certificates of deposit, "I" bonds, and "EE" bonds. Together, you can use these instruments to build your emergency fund.

As you invest in these products, you'll be able to watch your money growly (slowly). Hopefully, this will create a passion for investing. I know I loved watching my high yield savings pay me interest when I started. Good Luck!