<prompt> Human: Single no kids 26 year old making about 45k. I am currently an apprentice ironworker and will make journeyman sometime next year hopefully and be making 80-100k. 60k is sitting in my savings account. And another 1k in a vanguard account in random stocks. Moved my parents two years ago to save for a house but have decided to wait. I have a 401k set up with work putting 12 in and 4 match. No debt about 150-200 per week expenses. What would be the smartest thing to do with the money knowing I wont be using it for 2 years or so? Isnt it just depreciating by sitting in the bank? An help would be much appreciated.  <response>: Its definitely depreciating in a regular bank account. Regular bank accounts always lose ground vs interest and taxes.That being said, its risky for you to move it somewhere else too. If you invest it all in stocks and two years from now you want to buy a house, there is a very real risk that the money you put in will have gone down by half.Its generally not advised that people save for houses in vehicles that can easily go down by half. Its advised people save for houses inside a typical bank account like you are doing. The money will most likely be there in 2 years or whatever without losing too much ground this way and a stock market crash wont negatively affect your ability to buy a house when you need to this way. 