My records are also in a program (The Master Genealogist) on my computer. I back up the database into a cloud and onto a cd which I store in my safe deposit box. Digital photos are also stored in the same way. I download to my computer all images found here, like censuses, and backup those as well.
I make a digital scan of all documents and photos
, stored in the same way. The originals are kept in files although some of the more irreplaceable (such as grandparents baptismal certificates) are kept in the safe deposit box.
Personally, I would not rely on ancestry.com for the preservation of my work, especially since my research is not done solely on ancestry.
I would urge you to purchase a genealogy program, Family Tree Maker does have the advantage of syncing with you ancestry tree.