<prompt> Human: My dad passed away a month ago. My mom is 62 and plans on retiring this upcoming march and moving to Colorado. She wants to put down 120k on a 300k house. Her accountant today explained the total amount she can withdraw this year and still remain in the 25 tax bracket is 80k since she can still file jointly for this year. What can my mom do with this 80k prior to mid April next year? The accountant made no mention of investing this money prior to April. In discussing this money the accountant mentioned to my mom she should give the 25 upfront to the government. Im no accountant but I thought there is enough time for her to possibly invest this money prior to April. What are her options?  <response>: a cd or promotional savings account is as far as I would go. might be able to get 1 or so on it. anything else would either have lower returns, or too much risk to consider. 