<prompt> Human: Background: We are 27F and 28M in extremely good health living in Houston,TX. We have a 15 month old daughter and another one due this summer. I am currently a SAHM and my husband does IT making 85K. He recently picked up a side job doing contract work making 60HR, working at least 5 hours a week. We have zero debt no loans, car payments, CC bills, etc but we are renting and would love to buy a home in the next 24 months. We have almost 90K in savingsemergency fund with American Express Personal Savings. Our health insurance allowed us to have an HSA this year and we are taking advantage of that. My question: I taught for 4 years and saved up 18K in a 401K and my husband has about 11K in his 401K. His company will match up to 4 and he is currently contributing 6. My husband would rather put money into our savings account instead of putting it into a Roth IRA because he thinks the money would grow faster. I am VERY new to all of this but Ive read two of Dave Ramseys books, in the middle of a Thomas Stanley book and gone over the PF Sidebar more times than I care to admit but I am still a bit confused. Should we wait on the Roth because we want to put down a sizable amount for our first home down payment in the next hopefully! year and a half? Ive been looking going with Vanguard and then deciding which funds to pick from - even thats confusing! Any help or insight would be greatly appreciated!  <response>: A Savings accounts do not grow money at all, especially in todays extremely low interest environment. Investments - including Roth IRAs - have much higher returns - but also much higher risk and volatility, which means short-term losses that you wouldnt see in a savings account. B If you want that money within the next couple years, save it in a savings account. You dont want to risk stock market volatility for money you need fairly soonC You have 90K saved up. You already have enough for an emergency fund plus sizable down payment, considering the kind of house you can afford on 85-100k a year. D Max out both your Roth IRAs already. 