<prompt> Human: We are getting married and we are paying cash. I am currently saving 600 a month and that is the max that I can contribute. I currently have 2023 in a savings at Ally and 1780 in an account with Wealthfront set to a risk score of 9. Of the 600 a month, 235 of that goes to Wealthfront, the rest stays in Ally. Mint has me behind by 3 months. Now I dont think Mint calculates interest gained in the account but it wont be the 1600 gap I need to make up. I realize I may make up the gap with the investment account but I may also lose money with the investment account. I realize I will get a raise or 2 over the next year and 9 months but I would like to use that towards my retirement and paying off student loans. FYI I have a nice retirement and an emergency savings on top of this. I am currently 32 and rather proud of how I straighten out my finances in the past 3 years after going back to college for degree 3.But the question I ask is how should I try to make up the 1600 gap without adding extra money from my monthly budget. My 2 extra paychecks go towards my house savings for when shit breaks. My bonus is our travel money. Should I adjust the risk score for wealthfront or should I get a different savings? I think Ally rate is 1.45 right now.  <response>: I definitely would not be investing money that youll need in less than two years...over that time frame its very possible that your investments will lose value.The only real solution is to contribute an extra 1600. If you do it monthly, thats less than 100month. If you absolutely cant squeeze that out of your budget, look to pick up some kind of side gig to make up the extra cash.Honestly though, it sounds like you have the budget room, youll just need to throttle back some of your other savings very slightly for a short period of time to save for this...theres nothing wrong with that. 