<prompt> Human: I have about 5000 in an Roth IRA, a couple grand in my checking. I also make 70k year, but I also live in SF Bay area so its really not that much out here. Ideally Id like to own a home in the Bay Area or Portland OR. I get no 401k through my job. I might have a little bit of money, like maybe 5k max, coming when my grandmother dies. I have no debt at all.  <response>: Continue saving for your financial goals in appropriate places; if your time horizon is less than 5 years, in an interest bearing savings account is the correct place.That said, you might also want to speed up your retirement savings; 5K at 29 isnt ideal. Id probably prioritize that over buying a house in your shoes.But all of that aside, it doesnt sound like you have an emergency fund. Start with I have X, what should I do with it 