Best Place To Save My Pennies...?

[Jason Eyerly]

Hello BP, 

 I have a question for everyone. One that may seem silly. Through my bank, I have keep the change on my business checking and personal checking debit cards. Currently, these pennies go to their respective savings accounts. However, I am currently living well within my means and I save 80% of my savings towards beginning my real estate investing. I planned on starting with the eight year millionaire plan that I had read about, or at least follow along. 

My question is what is the best thing to do with these pennies? I was considering opening a ROTH/Self Directed IRA and having it deposited there automatically, so at least I'm building some kind of retirement fund, that I can invest with, but I also have a Brokerage account I could deposit this money to and use it to trade stock/options. Although I'm still young at 21, I never really thought an IRA was for me since I like to do all my investing now and be able to live off what I make. I've always figured by the time I'm ready to retire it wouldn't depend on some long term account. After all, if I'm a horrible investor, an IRA would get beaten up too.

Please give me all your thoughts and suggestions, I've been losing my mind trying to figure out what the best route is for my keep the change. 

Thanks in advance, 

Jason E.