<prompt> Human: So Ill give you a quick run-down of my finances and living situation. Im a full-time student in New York City. I work part-time, and have about 20,000 in an MMA that pays out 1.5 APY. Im trying to live as frugally as I can for the next couple of years. Instead of looking for an apartment with my girlfriend, I along with my father and a family friend have turned a part of the unfinished basement of my dads building into a kitchen and living space with a walled off, fully-finished room and tiled bathroom. Im currently working on building another corner of the basement into a second room and bathroom with ACheatventilation so I can end up living in it. Some call that living in your parents basement, I call it living in NYC rent-free, which is a big deal for a millennial imo. Anyway, Im looking to save as much money as possible. Ive become very frugal in the past year. However, Im strongly tempted to pull the trigger on an EV. I have a reservation for a Tesla Model 3 and am looking to finance half of it. I will be in the market for a car eventually If I dont go that route, what do you recommend I do with the money? Its sitting in a money market account accumulating some interest, but I would prefer to see it grow a little more without freezing it until retirement. I would still prefer access to it if necessary within a 2 year window. Thanks!  <response>: Wait, why do you need a car in the first place? You said youd be in the market for a car eventually but didnt say why. If youre living in NYC that car will not only be a lot more annoying to have but also a lot more expensive considering parking, taxes, tolls, registration, permitting, etc. 