<prompt> Human: Im saving up to buy my second house when I move in a few months so I have tens of thousands of dollars just sitting in my bank account not ideal, I know. I max out my Roth IRA every year and buy Vanguard Dividend products as well as ETFs from time to time but basically stopped lately in anticipation of this house purchase.  <response>: For 6 months or less, a bank account is your best bet. That money should not be exposed to any risk. 