The Junk Drawer Approach to Investing It's easy to let investments accumulate like old receipts in a junk drawer. Related Content Is a SEP-IRA Right for Your Business? For some, the idea of establishing a retirement strategy evokes worries about complicated reporting and administration. Paying Off a Credit Card Enter various payment options and determine how long it may take to pay off a credit card. What Is My Current Cash Flow? Assess whether you are running “in the black” or “in the red” each month.