Yep, savings, checking, and a Roth IRA.

I don't actually need the savings one and could probably close it up, but eh, it's not doing me any harm. Sure, the interest gained on it is pitifully next to nothing, but until interest rates go back up and dropping money in a CD is worth it, I'm kind of just leaving it there. In the meantime, I haven't had a CD since 2008. :P

When it comes to investing in stocks or bonds, I'll admit, I'm a chicken. That stuff requires a lot of research and even after all that work, it's no guarantee the money you invest in stocks isn't going to be swiped away because the company made a whole bunch of bumbling mistakes or blew their reputation away doing something stupid that was beyond your control. Given, it's a better choice than casino gambling (which I never do anyway), but you're basically letting the company play with your money in the hopes that they know what they're doing with it and will see some return on that. And to me, I just haven't seen too many companies where I feel that confident enough to do that. It's a leap of faith with a lot of these companies and you've got to have a lot of knowledge about the company itself and what the industry's arena is like.