<prompt> Human: I have 6 month emergency fund, no debts. My current income is sufficient both for contributing to 401k, IRA and HSA, which I will be doing, and have enough left over for all other expenses. So really, I am just looking for suggestions on the best way to invest 50k which I will need access to in 3 years?Thanks!  <response>: Short term 3 year investing? Thats more risk than its worth IMO. Just keep it in a savings account. Youll probably have better suggestions than mine, but thats what Id do with the money. Aboglehead is right. 