Although I agree that you can make money with Google adsense (or any other adsense program for that matter), the only problem is that they do not pay a lot of money. Some only pay pennies per click. I however now of some programs that pay up to $2.50 per click. If you want to make real money on the internet, I suggest affiliate marketing, a method in which you sale a product and get a portion of the commission from the merchant/Advertiser whenever you make a sale. Statistically, it takes as many visitors to get a click to an adsense page as it does to make a commission using affiliate marketing. Commissions from affiliate marketing can range for a few bucks to hundreds of dollars per sale. In addition, with the proper training, affiliate marketing or becoming an online entrepreneur offers a proven business model that anyone can use to create not only a legitimate business but long-term income as well. I do like the advise that you gave about Exchange Traded Funds. Suze Orman talked about EFT's last night and the benefit of them over mutal funds in today's stock markets. A couple of things I remember that she said are that unlike, mutual funds, EFT's can be bought and sold at any time the market is open. This is good because if you see the marketing going down, you can get out before you lose money and vice versa. She also said that with EFT's the expense ratios are a heck of a lot lower than with mutal funds and that there are EFT's for like every kind of stock, and they follow an index. With mutual funds, she said that if you want to buy and sale, it is gonna cost you much more money. Also, if you see the market is going down and want to get out, all you can do is put in an order and wait until the close of the business day because mutual funds are not traded during the day. So, when it comes to buying and selling mutual funds in today's market and how voluble they are, you are gonna be out of luck. Those of you that watch the Suze Orman show also know that she loves Roth IRA's. She does recommend, however, that when looking to invest in retirement and what not that you do to a discount brokerage firm because the possibilities of the instruments you can invest in are much greater. FYI: A million bucks in retirement with an average return of 5% will yield you $50,0000 (before taxes). Even though this seems like a lot, many people think that it will cost them less to live during retirement than in does today--NOT TRUE! Disclaimer: Although I do love me some Suze Orman, I am not a Financial Planner or anything of the short. You should always consult a certified financial adviser who has seen the ups and downs of the markets before making any short-term or long-term financial decisions.