Investment tips

It has also just occurred to me that, at a 0% rate of return, drastically overwithholding from my paychecks in 2008 was a MUCH better investment than stocks or mutual funds would have been. I probably wouldn't have actually invested that money in anything other than a certificate of deposit, as I am super-risk-averse, but suddenly overpaying the IRS every two weeks turned out to be a savvy business deal in comparison.