<prompt> Human: Quick background- I was going to pay cash for a car 25k. However, I was offered .9 financing. I plan to finance it at 60 mo and hold on to my cash as it would be great to have over and above 20 on a house down payment in 3-4 years.My question is where to put the cash in the mean time 3-4 years? I already have significant emergency savings- so it doesnt have to be overly liquid. I am looking at CDs and MMs, but the ones I am seeing have ridiculously low rates. I am thinking a tax exempt muni-bond like VOHIX to make the .9 financing worth it. I almost think it would be easier just paying cash Vs dealing with the hassle. Any advice? Thanks!Edit: I should mention that Roth IRA is already maxed Edit 2: Thanks for the input, guys. I am going to pay cash and not deal with the hassle. Edit 3: Thanks again for everyones advice. I decided to pay cash. My reasoning was just to avoid the hassle of monthly payments and have another account to track. I feel good about the decision as I found that I value simplification in life over that kind of potential riskreward. Thanks again!  <response>: Id put it in a taxable investment account and invest in the usual indexETF. No sense losing money to inflation putting it in to a savings account if you already have your liquid cash needs covered. 