<prompt> Human: Im in my early 20s, looking at my future financial goals...buying a house, different car, family, retirement, etc. I would anticipate in the next 5-10 years I would make a downpayment for purchasing a home, and perhaps getting a different vehicle. My question is where do yall put your shortmedium-term savings? Right now interest rates in savings accounts are rather pathetic and inflation beats out in the end...even with online savings accounts earning 0.7-0.9. Right now I have mine in a Discover online premium savings account earning 0.85. Would savings bonds be a better option, perhaps? Thanks.edit: Roth IRA was contributed to the max on 1 January. Grad student so Im not offered a 401k option :.  <response>: I do I Bonds and CDs...unfortunately theres not much demand for our capital at the moment, so we have to suck it up and eat low returns. 