Investing

I have been sort of following the get out of debt philosophies. Trying to get everything paid off. Don't buy anything on credit. Save and save. With a bit of money in the bank and not too many expenses it is time for focus on some type of retirement plan. The Roth IRA looks good. Nothing is safe and that is disturbing. Rates on return are so very low making any type of long term investment just does not seem wise.

Not real sure what course to take. What are you doing to prepare for the future and for your retirement?