<prompt> Human: This is my first post and looking for some advice. I am 25m working full time making about 60kyr. I plan on proposing in the next 6 months. I have a 401k no match with my company worth about 10k. Have about 15k in checkingsavings. I jist moved in with my gf and have minimal rent of about 400m. I have a 400m car payment. No other real debt as I struck a deal with my parents to pay off my student loan although that 170m payment is still on my credit. My main question is, should I invest a good portion of my savings into bettermentacorns or jist let it sit in savings for about 10 months. I plan on buying in the next year. Im looking at building a new home through a development worth about 165-170k with first time home buyers program where I get about 10k toward down payment and 5k for closing costs. I would like to put another 15 down if I could so I can get out of pmi as quickly as possible. Please let me know your thoughts on investing my savings short term or just continue saving making about 9 cents a month. Thank you!  <response>: With a time frame of just 10 months, just put it in a 1 online savings account. Lets say 5K is for checking and 10k is savings. Lets say you took some risk and invested it in something and it yielded 5 - that is a whopping 500 for taking on quite a bit of risk. You could just save 500 from here and there at 50 a month.10 months not that much dont take the risk, just save a little more each month 