<prompt> Human: Hey guys! I have no credit card debt, a credit score of 816 I love that TV commercial where the lady is buying the RV and they all say 816 in deep voices and since January ive been putting 1,000 a month into an online savings account with an interest rate of 1. I put a little extra in the past couple months so I have a little over 10k right now. Im looking to buy a house at the end of 2016 or the beginning of 2017 and im confident that I can have 25-30k in the bank by December of 2016. From my job, I make 45k a year before taxes which currently equates to roughly 2,700 per month from my payroll checks. This does not include any extra income I may make in cash, which generally wouldnt exceed 500 in a month. My question is, what other kinds of investing can I look into? Ive briefly read into online investing tools like Betterment and Wealthfront but I really dont know what im doing. Id like to keep throwing 1,000 a month into the bank but would it be smart to maybe put 1,000 into something like Betterment or Wealthfront and then depositing 100 a month there or something? Help!  <response>: With an impending house purchase, a savings account like you have been using is the proper place to put additional monies.Stock and bond investing is a long term endeavor and is not meant for money that is needed within the next year or so. 