<prompt> Human: My husband and I are working on saving for a down payment for a house currently renting and have about 12,000 saved in a regular savings account. We save 1,000 every month toward this account. We plan on waiting at least another year before buying a house. Heres the thing: I feel like Im not getting the most bang for my buck keeping the money in a savings account. Is there a better place to keep this money until we are ready to buy?  <response>: keep it in the savings account. 