<prompt> Human: Hi there - Im looking for advice on where to park my money for a future house purchase. nbsp;After taxesretirementexpenses, my wife and I can put away about 1500 per month. Currently, we have 34,000 6 months of expenses in a Discover Savings account earning 1.8. We live in a HCOL area NJ, where a decent home costs 500k. With 10 down, I estimate that well need around 110k to buy something E-Fund, Closing Costs, Improvements, etc.. With our current savings rate, well have that in 4 years Probably less, since we both anticipate raises. nbsp;The question Im struggling with is, do I take our currentfuture savings and ladder CDs for the next few years or just throw it in the SP?  <response>: Nope, money youre planning on using in less than 5 years does NOT belong in the stock market. A high interest savings or money market account is fine. CDs are okay too as long as you are 100 sure youre not going to withdraw your money early. 