<prompt> Human: Hello, I am interested in short term investing with the goal of purchasing a car for roughly 20k within the next three years. I have no debt. My monthly expenses equate to 2k. I have a 6 month emergency fund. I invest 8 employer matches in my 401k and enough each month to max out my Roth IRA by the end of the year. Im 25 and make roughly 74k per year gross.Also, should I be investing long term or should I first focus on maxing out my 401k and building my savings up to 12 months? I bank with a local credit union and manage my savings with Alliant. My retirement investments are through Vanguard time index funds.Please let me know if I can provide additional information if necessary.Thank you.  <response>: Over the time frame youre talking about investing in anything other than a CD or high yield savings account would be better described as gambling.Just put the money aside in a savings account. 