<prompt> Human: 44 years old, married father of two 9 and 7. Came into some money and after paying off our credit card debts and both cars, and with 250K in a retirement plan, we have 50K currently sitting in a savings account. We will be looking at buying a house at around 475K in the next four years, for which we would need that 50K. Is putting the 50K into the market the clear choice here, as opposed to a savings account? I dont know much about investing and I just have a bad feeling about a recession, or worse, looming. Losing this money would be devastating. Thank you.  <response>: If losing this money would be devastating, dont risk it in the market. 