<prompt> Human: The only debt I currently have is a home that I owe 80K on. I have considered financing as it is 8 interest. Other than that I am in the military will be getting out in a few months!  <response>: Do you have a job lined up for after you leave the military? If not, Id keep the money liquid until you do. Once you have a job set up, Id look at how much your expenses are. Six months of expenses in an emergency fund is the general advice. You can keep some in a savings account and some in a short-term CD in order to get more interest while still being pretty accessible. 