<prompt> Human: Hey guys!Im trying to organize my financial house and plan yep, its a bit scary for the far flung future.Financial Background Approximately 85,000 - 115,000 yearly salary been working for 2 years No debt and Im single I automatically contribute a of my paycheck to hit the pre-tax 401k limit I believe its 17,600 for 2012 I also contribute 5,000 per year to a separate Roth IRA I have approximately 15,000 in a brokerage account mainly stocks I have 10,000 in a high-yield account for my emergency fund I have 55,000 in savings in a high yield account Living expenses are about 1,500 per month for HoustonThe main advice Im seeking is what to do with allportion of my savings account--which is just sitting there earning next to nothing. Living in Houston, a lot of the advice is to invest in real estatebuy a house but Im not really keen on wiping out my savings for a down payment and Im paying a fairly cheap 1000 per month rent in Midtown. Im looking for a vehicle with at least 1-2 year commitment time frame Im not moving any time soon nor have any large expenses that would make sense.Any insight would helpThanks!  <response>: If I were you, Id start gradually shifting your funds from your non-emergency savings into a low-cost index fundfunds. Reinvest dividends. Wait. 