<prompt> Human: A relative is gifting us 40k over 40 months. We will save this money until the end of the 40 months and then likely use it as part of a down payment, or save it for a few more years. Is a regular savings account the best place for this? We do not needwant access to it for the next 40 months, but after that time we would like instant access. Not willing to risk losing any of it. Thanks for any suggestions.  <response>: Do high interest savings account, around 1.3 