<prompt> Human: I have managed to put away 15k in saving which I intend to use as a down payment on a house towards the end of Decbegin of Jan. My fiancee and I are getting married the last week of October separate budget but mostly paid for so pretty much after that well be ready to buy and the money should be accessible around NovDecJan. What should I do with this little nest egg in the meantime to make it work best for me? The best idea I have is to open a High Yield Savings account but Im hoping you all have better ideas!  <response>: If you need the money in less than a year, keep it in a federally insured savings account. 