<prompt> Human: Hi Reddit. Please dont crucify me. Currently, I have over 100k in a savings account. I know its way too much money to have in a savings account since the value is slowly being eaten by inflation. However, its been there for the past 5 years because Ive been hoping for a real-estate buying opportunity. However, it looks like theres no dip in sight; home values keep going up! Should I continue to hold my money in the savings account? Beginning in 2017, it looks like ill be making a salary between 50k-60k thats a conservative number. My monthly expenses are between 1200-1500 per month. Im single. No home. No kids. No debt. I live in a major metropolitan city. EDIT - Thanks everyone for chiming in. Ive learned a lot here. I asked not to be crucified, but I did. My fault though. Admittedly, I messed up by keeping all that money in a savings account by playing it safe. TIL - It can be a bad idea to save money in a savings account. Who wouldve thought!? I shouldve either invested it all in stocks or bought a house 5 years go. I hope you guys can all learn from my MASSIVE mistake. Thank you Reddit! This has been quite educational!  <response>: Almost zero pros. If its more than a years worth of an emergency fund and its not actively being used to achieve a goal, then it would be better off in an investment account. If youd put that into SPY 5 years ago, you would have over 200k now though it could have gone the other way too, which youre realizing with your buying opportunities. Its all about time in the market and not timing the market. The housing market is no different. 