<prompt> Human: My wife and I are trying to save up and purchase a house in about 5 years. Is putting money into a Roth Ira and then taking it out wise? Or a safe investment into something like a utilities etf better? We both are in no debt and have very safe jobs.  <response>: House savings should come after maximizing tax advantaged retirement savings, or at least after taking care of your employer match and your IRA contributions. If youre looking to buy in 5 years, Id just stick it in an FDIC-insured savings account or CD. Money you know you will need should not be exposed to market risk. 