Putting aside $100 a month. I just had an interesting conversation with a client about saving / investing $100 a month and showed me how one of his clients racked up almost $10k with very little financial discomfort. I am remarkably undisciplined when it comes to saving money and the notion that even $100 counts is something of a shock. I never considered that I could approach a financial professional with a monthly budget of $100. Right now, I have a $100/week payment on my tools / box that will be paid off by the end of the year, so once that is done, I can divert that into a savings / investment plan. My short-term goal is to get started - I can afford to put away the $100 - but what's the best course of action? My savings account yields 2.6% or so... Should I do mutual funds / GIC / etc?  thanks