Introduction
To start building wealth, most people simply need to change their mentality. 
MoneyDecisions101 will open your mind to help you focus on your financial future.

A simple, 100% safe way to invest... Put your cash in online savings accounts to earn interest.

There are online banks which provide very good interest on your money. They require that you link your online account to your existing checking account. Then, money can be transferred electronically between the two. Typical interest rates (as of July 2007) are 4.5 to 5.05 APY.
Some of the best online banks include ING Direct (www.ingdirect.com), Virtual Bank (www.virtualbank.com), and Citibank. See the comparison chart on some of the top online banks below.

I personally recommend Virtual Bank and ING Direct. Both have very easy online interfaces where deposits and withdrawals can be done online. The idea is to move any excess money from your regular checking account to any of these online banks, to earn interest and make your account grow.

Note: You may want to read "Why Invest?", for a reason to open an online account.

Below, is a table conting information on the top, best online banks:
 

Bank	APY	Min Open	Min  Balance	Monthly Fees	FDIC Insured
Virtual Bank www.virtualbank.com	4.60%	$100	No Min	None	Yes
ING Direct www.ingdirect.com	4.50%	$1	No Min	None	Yes
Emigrant Direct www.emigrantdirect.com	5.05%	None	No Min	None	Yes
WT Direct www.wtdirect.com	<$10K=0.60% >$10K=5.26%		No Min	None	Yes
HSBC Direct www.hsbcdirect.com	5.05%	$1	No Min	None	Yes