<prompt> Human: Im working at a law firm this summer and then going back for my third year of law school. Im trying to bank enough money this summer so that I wont have to worry about rent and utilities next year. Ill have about 12,000 in savings.Right now, its sitting in an ING Direct savings account. Some of it Ill need as soon as next month to pay my first months rent, but some I wont need for a year from now. Whats the best holding vehicle?  <response>: Chat with your landlord and offer to pay 6 - 12 months rent in advance, on the condition that you get a 5 cut in total rent.BAM! more savings than those shitty rates would ever get you. 