<prompt> Human: First and foremost the following is not to brag; Ive worked extremely hard to get to where I am today:I am 25 years old, I have no student loan debt and spend about 1200 a month on expenses, rent car payment etcI have roughly 50,000 in cash. I am keeping 45k separate as a house fund. I keep 5k in my day to day savings account.I currently do no investing besides my company matched 401k.How else can I better allocate my money, i e short term investing etcMy plans are to be able to afford a house within the next year or so.  <response>: Nothing would suck more than losing your principle in the market. If you want to make real money in the market, start a Roth IRA on the side, but protect your 50k in online bank or CD. 