I recently wrote about how I’m learning to spend despite being a pinch-penny. That article sounds breezy, but it’s taken me a long time to get to that point. And there’s still one area of finances that is really tough for me: investing. In my mind, investing equals big risk — and risks freak me out. If I could, I would cram all my money into a big mayonnaise jar and bury it in my backyard.