<prompt> Human: Ive saved up a lot of money for a down-payment on a house, but the house prices in my area are extremely high right now, and I cant justify the monthly payments for the quality of the houses. Ive been keeping the money in my savings account, but I feel that Im losing a lot of potential for the money to grow. Im looking for a new place to store my money. I have about 95k in savings. I was planning on keeping 15k as an emergency fund, 60k for a downpayment on a 300k house to avoid PMI, and 13k for closing and 7k for maybe a 1- or 2-room renovation many of the houses Ive been looking at have had the same kitchens for 30 years. The problem is that in order for me to live within 25 minutes of work, housing is around 350k for houses that are smaller than I wanted, mostly with 200-300mth association. Any farther than that, and Id prefer to stay at home 45 min away wo traffic, which is significantly cheaper for me. I feel that buying a house now would make me house-broke, and that would suck after barely spending any of my money at all to save up for this house after several years. I plan on saving some more for the next year or two in the hopes that I either get a better raise, the housing market comes to its senses again, or I get fed up and move to an area where I can afford a house. Id like to keep the money relatively liquid. Options Ive considered so far: Put it into a high-yield savings accounts ally has 1 interest on online savings Put the money into 2 low-cost studio andor 11 apartments. Make about 300-400 profit per place, and use that money to offset the cost of rent in a 22 or 32 w roommates. Using an online robo-advisor like betterment.com or wealthfront.com with 4060 stocksbond split makes me a little uneasy, though, since 60 of the money isnt liquidOptions that Im not comfortable with: all in to the stock market. I cant afford the risk of losing that money, since I would like to withdraw it within the next 1-2 years.Edit: formatting.Assistant: Savings account.Human: Im curious about why this would be a better option than the alternatives  <response>: Because you want no risk. 