<prompt> Human: I am a recent grad and about to enter active duty in the Air Force as an O-1. Since I will be in the military, I dont expect to buy a home for at least 10-ish years, maybe 8 at the earliest. However, I would really like to start putting money away to save for a down payment, renovations, appliances, that kind of stuff I already have plans for a Roth and paying off my student loans.Unfortunately most of the advice I can find on saving for a down payment is to keep it in a Money Market Savings Account or a high yield savings account. I also saw some stuff about maybe putting money into a short term investment fund at Vanguard or some other firm if youre not expecting to buy a home for more than 3 years. Should I play it really safe with this money, even though I dont expect to touch it for quite a while?  <response>: Should I play it really safe with this money, even though I dont expect to touch it for quite a while?Its a judgment call. Personally, Id put it into Vanguard.Something like 50 bonds 40 Domestic VBMFX, 10 International VTIBX and 50 stocks 35 Domestic VTSMX, 15 International VGTSX. Heres Vanguards recommendation tool.You sound a bit conservative though. You could always put it into I Bonds, a good CD, or some other type of asset allocation. 