Invest $8,000 in an all stock market IRA in your early 20’s then wait ‘til you’re 66 to take the money out. Use the cash to buy an RV and plenty more... Money+Time=Easy RV Purchase.
A ONE TIME investment of $8,000 (less than buying a car) made before turning 24 years old - yields $202,715 RV fund for retiring at age 66.
Assuming 8% compounded interest... over 42 years.
Do the math:
http://www.buyupside.com/calculators/buyupsidecompundinterestdec07.htm
The math part is easy.
I'm fairly sure that when I'm 24 I'll be just as leery of banks as I am right now. Assuming banks will do their part for the next 42 years? Nah! So much can go wrong in 4 decades.