I contribute the max into my roth IRA this year it is 5000, next year it will go up even more. probably to 5500.00
My employer matches me 50cents on the dollar up to 6% of my income, and you earn "at least with the bank i work for" about 17-26% interest on all that money. so I put as much as I can afford, although I can afford more, I dont want to put myself in a bind if something bad were to happen.
http://Www.ingdirect.com
open the orange savings..
and nomadwhat is right, you can request not to have overdraft protection and it can be taken off. but think about this. if something unfortunate happened and you had to spend all your money, and your mortgage was late, ODP would be a lifesaver.
and i can't stress this enough.. WRITE YOUR TRANSACTIONS DOWN.