<prompt> Human: By March of next year Ill have met all of my short-term PF goals - debt free, 6-month emergency fund, etc., so I would like to start saving up to by my own home. In the SoCal area, this would mean a 15-20 downpayment of around 60-70K.I believe that if I save about 80 of my income for 18-24 months Ill be able to save up this much money. Would this be the most efficient route to take, or are there investment options I should consider that could help me either get a larger downpayment over the same period, or an equivalent amount in a shorter period?  <response>: 18-24 months is too short for even investing in the bond market, your only real choice is a savings account or CD. 