<prompt> Human: My wife and I just got married and after gifts and previous savings, were sitting on about 25,000. We make enough for our month to month bills and expenses. She has paid off her student loan in full, and I still have about 23k. We currently live in an apartment, but plan on buying a house around this time next year this may involve moving out West. What do you suggest we do? I would love to invest some of that money and watch it grow but I dont know much if thats the best way to go.  <response>: Pay off student loans and live frugally for a year to save up for a down payment. 