<prompt> Human: Hey everyone, first time posting here. Im 22 and right out of college with a job as a web developer. Im looking into the future and would like to put a down payment on a house within 3-5 years. Houses in my area are around 100-200k and Id like to put a 20 down payment down. Im just wondering the best way to save for the down payment, whether it be a savings account, CDs, stocksbonds, etc. Thanks!  <response>: I used Barclays Online Savings which I really liked, it currently pays 1.3 in interest and the online interface is pretty good. You also dont need to be a US citizen to open an account with them. If you plan to buy a house within a few years then savings and CDs are really the only way to go IMO maybe build a CD ladder? 