<prompt> Human: I actively read this subreddit and have posted a few times in the past. Now Im wondering if Im doing things right. I have a decent job 55,000 living in Boston. I contribute the maximum annual amount to my IRA, contribute enough to my 401k to match my employer, and put away money into savings accounts every 2 weeks house, clothing, vacation. I have an emergency fund and I use YNAB to control my spending. The part I want to focus on is my house fund. This currently has around 12,000 in it and I contribute about 500 or more monthly. Its currently sitting in a Cap. 360 savings account earning about 6 interest monthly. My question is, is this the best place to keep my money? I fear investing it because I dont know anything about investing my IRA and 401k are both in target funds, and I dont want to risk losing any of the money Ive saved either. Is this the best course of action that Im taking?  <response>: You are doing just fine.Keep on, keeping on. 