<prompt> Human: So I just got married about a month ago. And my wife and I were super blessed to be given such generous gifts by our guests. We got a little less than 20,000 and as of right now we opened a joint checking account and put the money in there just to save it. Any recommendations on what we should do with it? Investing, savings, retirement...Were in our mid to late 20s and were not looking to go house hunting for a 3 years or so. Thank you in advance!  <response>: Pay off debts if you have any.Use it as an emergency fund, if you dont have one.Keep it in a savings account if you plan to put it towards a house down payment in 3 years.Good luck. 