<prompt> Human: I have about 5000 on hand an am contributing 520mo to the fund for our wedding in July of 2018. Its sitting in a low return savings account at a credit union and Im wondering if it can be put to better use for the next 11 months. Im willing to be relatively risky with it but the final answer is my fiancé wants it 100 safe. We want to be able to pull it right when we need it. As for the obligatory questions:We are both 29. Both employed. Im a lab technologist 54kyr shes a 3rd year teacher 45kyrObjective is a wedding. Next goal is down payment on a house. Risk tolerance is see above... 90 safe is probably realisticCOH 5k roughly bit more and 520mo joint contribution We rent and lease unfortunately. No assets. We need this money next July. Pretty short term investment. We each have a small amount of credit card debt that we are aggressively paying off. We each plan to go into this wedding with no credit card debt. We each have student loans... hers less than mine with mine equating to 166mo. We are each public service so expect forgiveness in the next 5 years. No other real financial information. Ive been thinking vanguard ETF but feel free to AMA. Thank you!!GRF  <response>: Pay off your credit card debt now and then save for the wedding. 