So you are a young lady/guy between the ages of 20-35. You just got your first job, or you are changing jobs, or about to start a business, about to get married etc. even though the economy is bad, you kinda still have extra cash in your bank account which will somehow disappear before you say jack Robinson but..  right now as you are reading this, the money is in your account. just staring at you… What to do? what to do? you might just slap someone if they mention “start a business or buy stocks” … You want a practical thing to do in plain English. Am I the only one that enters panic mode when I start hearing things like money market, stocks, capitalists etc? Not only me abi? if you are like me, you are in the right place. Before I start, I am not a financial analyst or finance anything. This…