<prompt> Human: Hi all, I am wondering if there are other places beyond a savings account that might be better places to house money I am saving for a home down payment. I would like to be able to purchase a home in about 30 months 2.5 years. Right now everything is in Savings, but with rates like they are, I am looking into other alternatives.  <response>: This question comes up on this subreddit at least once a week. Generally, if your timeframe is only a few years, you dont want to take much risk with that money. Put it in a CDterm deposithigh interest savings account. 