I like the ING savings account. But, also run the numbers on investing in a Roth IRA (after tax investment), compounded say at 10% or so. What you want to do is to accumulate a large pile of F**k you money by the time you're 40 - 50. This is very doable. Remember this does not meet your criteria of liquidity, but you need to get started. Along with that, take a few bucks and invest in your financial education, subscribe to Money, Forbes, my favorite Better Investing, learn how to make 15% over time. You can do it!
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