There are many schools of thought when it comes to investing.  You have to decide which type of investor you want to be: one that holds onto their stocks and gold or if you will be an active trader that buys and sells regularly.  Before you begin to invest however, you need to gain some knowledge about the stock market and gold investing strategies.  This is especially true if you are using your current salaries as the funds. If your current salaries are not giving you the chance to invest in a 401K plan through your employer, that means you either have to hire a broker or learn how to invest yourself.

You can find literally hundreds of books on the subject of investing so that even a beginner can get the basics.  There are also a myriad of televisions shows devoted to giving you advice on how to invest in the stock market and buy gold.  As a matter of fact there are several networks that speak of nothing else but investing.  Watching these shows for a few months will give you some insight into the cycles of the stock market.