I'm a 27 year old male that works in the entertainment industry. it is looking like I will be credit card debt free (still paying off my student loan but the too will end soonish) and am considering what I'm going to do with that money I would have used for paying my cc bill.

I'm looking for something like a savings account but it would be nice if there was somewhere that it would earn more than just a regular personal savings account. I would also like it if it wasn't so easy to move the money out of the account into my checking account to help put a barrier between me and spending that money that I am saving. (I have a problem with buying things I want...)

Aside from being Debt free I don't really have any financial goals right now. I may one day think about buying a home but its not in the next 5 years. (my job is 100% travel and so I don't rent an apartment) and my union requires my employer to contribute to an annuity for me, I also contribute extra money to said annuity each week.

I am also scared of the stock market and fear I would loose money without some sort of guidance.