<prompt> Human: Looking to become a first time homeowner, but Im lucky enough not to be in a rush. Currently single and renting. No credit card debt or student loans.Situation: I currently have 27,730.00 in a relatively high interest savings account through Discover earns 1.49 interest annually. I contribute 1,250.00 to that fund monthly and want it to continue to grow until I find a house I like Im quite keen on maximizing the equity I have in the home on day 1.While thats all fine and good, would I be better served investing that money in something low-risk?Curious to hear opinions, and my sincerest apologies if Ive not followed a guideline correctly.  <response>: Do not invest it if your plan is to access is in the short term. You dont want your down payment to be dependent on where the market is at the time. 