<prompt> Human: Due to fighting a long nasty custody battle for grandchildren and then raising them for 13 years with 5 years to go, we spent almost all of our savings. Each nearing 65, we only have a few thousand in our 401s and 20K in regular savings. Some debt but have that under control with payoff in the near future. Im looking for the best place to save the 20K, assuming we will need it in the next 3 years. Any thoughts? Money Market Account, Regular Savings or make an after tax contribution to 401?  <response>: Is social security going to be enough to cover your expenses? If not, you may not be so close to retirement. 