The Junk Drawer Approach to Investing It's easy to let investments accumulate like old receipts in a junk drawer. Share | Related Content U.S. Personal Savings Rate What can be learned from the savings rate? Bridging the Confidence Gap In the world of finance, the effects of the "confidence gap" can be especially apparent. What If You Get Audited? The chances of an IRS audit aren't that high. And being audited does not necessarily imply that the IRS suspects wrongdoing.