<prompt> Human: Background: I am a teacher and my husband is a cook. As far as retirement savings: I put towards a pension, and put a couple hundred into an Roth IRA every month. My husband just started a 401k. My husband and I currently have about 22k in a savings account the start of our down payment. Over the next two years, we will be adding to this with an end goal of 40k. I am currently using a Citizens Bank savings account which gets 0.1 interest aka nothing. We want to move our downpayment into some sort of account that can gain interest while we continue to save. Below are the types of accounts we have thought about using. Do you all have any advice on which account types would be best andor how to maximize interest while we continue to save? A CD account Maximizing my Roth IRA but I am under the impression I can not withdraw funds that are less than 5 years old SmartPiggy An investment portfolio like one of the automated products from Charles Schwabb, we have no clue if this is even a reasonable path to take Something else??  <response>: Savings account. You shouldnt invest funds you need in the short term. 