<prompt> Human: Hello, I am a 22 year old student in the US with 15,000 saved up in cash after paying off my vehicle last month. I currently have an equal amount set aside as an emergency fund. I also have a job with flexible hours that covers my tuition and bills. With that said, I am looking to invest these 15,000 over the next 5-10 years, so once I am out of school I can take that money out and put it towards a downpayment for a house.The most important factor for me is not returns, but rather a balance of safety and returns no crypto suggestions pleaseAssistant: Youll be in school for the next 5- 10 years?Human: Medical school residency fellowship.  <response>: How are you financing medical school? If you are taking federal loans, I would consider using that 15k on tuition. You will get a guaranteed return of 6-7 which is better than you will do with a CD or treasury bond. If you have scholarshipsother funding covering tuition than nevermind. 