<prompt> Human: So I maxed out my Roth Ira for this year and I have another 30 grand I want to invest in. I want to invest in something I can take the money out if I need to because I want to use that capital to invest in real estate with my father but I am waiting on him to do that and I dont want my money just sitting in my bank account.  <response>: You can pull your money out whenever you want with a normal brokerage account. The problem is, depending on what youve invested in it could be 5, 10, or even 20 less than what you started with. Thats why most people recommend keeping money you know you will need in a short time frame in a regular savings account and to just take your guaranteed 1 interest. 