<prompt>  Human: Is it bad that I have about 20,000 in my banks saving account just sitting there? It barely earns interest. Now that I barely pay rent only 500 because my fiancé decided to take on the rest on my one bedroom apartment, I save about 1,000 every paycheck. I feel like having cash just sitting there is not a smart move. Im not confident in investing in the stock market right now as it has been going down pretty badly recently. Would you recommend investing in a down payment in real estate or just let it grow on my savings account? Any advice helps! 