I pretty much exemplify the term "rookie investor". I'm in my mid-30's and am just now beginning to become interested in growing my money. Just today, I took an initial foray into mutual funds by purchasing some TD e-series funds. I have $90000 in a GIC maturing in two years, and with that money I will pay off my mortgage. Without a mortgage, our household savings rate should be in excess of $5000 a month - we are able to save $4000 an month now. Previously, I would have simply stuck this money in our "high interest" account, but now I am not satisfied with that. I have been lurking on sites like this for a couple of months now, and I realize that I still have so damn much to learn.
My fiance and myself live WAY below our means, and we are really struggling with what to do with our windfall of funds. Don't get me wrong, its a good problem to have.