He includes an ample list of Web sites, contacts and references to help you with your vehicle decisions. When you are investing your money, your number-one priority, according to ''Get Clark Smart'' should be your retirement. This is even more important than your child's college fund. Investing means putting money aside regularly in a variety of investments such as mutual funds and stocks. Stocks can earn more money for you than bank certificates of deposit, but often incur some risk.
Mutual funds offer less risk.
If your investment time frame is only a few years, you may want to invest in Certificates of Deposit, Treasury securities, or money-market accounts. Clark advises people not to use home equity loans even though they are tax deductible. One benefit of selling your house now is that you no longer have to invest the money you made. Contacts and Web sites for investing are included at the end of each section. Credit cards are the fastest way to go broke.