<prompt> Human: I am wanting to build a house in the next 1-2 years. I live in the United States. Texas specificallyWhere I am at:I have paid off all of my debt except student loans 139mo.. My Emergency fund is decently funded and I am able to continue to add to it. I am an IBEWelectricians union member and they have a pension and annuity plan contributing without me adding into it. I am currently auto withdrawing 400 from my checking every week and putting it into my savings account. Without interest I will have 20k in that account at the end of the year. Is there a bestbetter way to use this money where I can pull it out and use it as a down payment for a house whenever I get what I want?  <response>: A savings account with higher interest rate is all you can do better. Your time frame is too short to try anything without FDIC insurance. 