<prompt> Human: First year married, just got a bit over 6k tax refund. Id like to grow it for one year, then combine it with next years refund for a down payment on a home. What is the best vehicle?  <response>: I highly suggest fixing your W-4 use the auto-mod linked calculator so that you dont get such a large return. You will see extra money in each pay period. Right now, you are giving out interest free loans to the governemnt 