<prompt> Human: I have 20,000 saved and am planning on getting married in a year from today. Part of what is saved is going to the wedding, dont know how much yet. I was hoping to save some for a down payment as well. I mention these things because of the importance, I dont want to lose money. Any ideas? Thanks.  <response>: An FDIC insured savings account is appropriate for money that is earmarked for a date 1 year out. I would not subject money that you need to bond or equity risk.If you are concerned about inflation, an online savings account that gets 1 interest is likely the best you can do. 