<prompt> Human: Hi PF,Disclaimer: I live in the Bay Area, CAI was able to save 100k for what I thought would be enough to afford a down-payment on a nice starter-home. However, Bay Area home prices have skyrocketed and it looks like interest rates are climbing as well. With the impending 2018 Tax Plan and the inability to itemize deductions, it seems that Id be taking too much risk buying a home within the next three years.What should I do with the 100k that is wasting away in my bank account? Ideally, Id like reasonable access to it if in case I do decide to buy property elsewhere.My financial situation:- Maxed out 401k- Maxed out IRA- Save 1-2k a monthAssistant: HYSA all day. With rising rates, youll make a fair return atm and greater gains as rates moves up. Its the easiest money. Human: Wasnt familiar with the acronym so I Googled HYSA and got a bunch of links to the Hawaiian Youth Soccer Association. I know that soccer needs more representation in the US, but do they really need that much money from me?On a serious note, are there any banks that you can recommend for me?  <response>: Id recommend Discover. Deposit at least 25,000 and theyll credit you 200 immediately--more than youd get putting it in a brick and mortar bank for an entire year 0.2 vs. 0.1. The APY at Discover is 1.5, so youll still end up with an additional 1,500 in 12 months.Edit: Just make sure you use the promo code for the 200 deposit. Thats what makes it a no-brainer. 