How do you have your money working for you? I have been reviewing various accounts and additionally will be meeting with my bank soon to look at various ways to get a return. Savings accounts are paying a little, then their money market accounts and this and that and the other. I'm looking at putting a percentage into mutual funds. Yes I know the risk but thats why just a percentage, not a lot.......my personal mutual funds are up 16% this year and don't see a savings account paying that out. Also looking at credit cards with return. Most are 5% on select, 3% on other stuff etc etc. They all seem the same? So, what do you do? How do you get a return on your day to day operations from be it accounts or credit cards......anything else you get a return on? Heck, if I can pull an additional $10,000, for example, next year from doing such things I basically run most the year free on fuel, $ towards raises/bonuses, insurance etc. Thanks.