<prompt> Human: Key points: I am 27. I have no debt. I am not married. I already have a 401k and multiple retirement accounts through work. I have no immediate plans to purchase a house. I make 50k a year.I would like to continue to save if possible. One idea is to save until I can almost outright purchase a house, as to avoid having a mortgage. I really have no desire to spend the money on anything big, so really I am looking for the best way to save this money, and I am worried that having it sit in an account with less than 1 interest might be missing out on alot of potential.Would love any ideas. Please let me know if there are any other questions I can answer to help give a better example of my situation.Thank you very much.  <response>: You mentioned buying a house, and I realise that stocks are very popular around here but for some of us we really enjoy real estate.A downpayment of more than 20 gets you off the hook from paying mortgage insurance, so your ceiling on a home is 375,000.If it was me Id:1. Finance something in the 200-300k range if possible in your area2. Put down only 20 on the home so you are not on the hook for MI3. Pay double the minimum repayments each month. first half of your loans life is mostly just paying interest unless you increase your minimum repayment -- pay it down hard and fast to save yourself huge money and time4. With the left over - Thailand for a few weeks, use the rest for improvements on your home. 