<prompt> Human: Hello! I recently sold my home after fixing it up and walked away with 60k. My parents aregifting me two acres and I plan on building my next home. I will have a budget of 315k for the new house and the 60 will be my down payment. In the mean time I will be living debt free at my parents saving some money and starting the process. I want to put the 60k in some sort of account that will maximize my return on a year. Any help will be appreciated.  <response>: If you need that 60,000 within one year, stick to a simple high-yield savings account paying 1.50 to 2.00 and those pay rates are rising. The stock market is gyrating like crazy right now. You could lose money in the short term. 