<prompt> Human: Currently I have 28k in savings w2.5k in checking. I dont make much. I can save about 300Mo after all expenses, spending money and bills are paid. In a few years Id like to buy a 200k house. I just feel like 20k is too much to just be sitting there doing nothing. Am I wrong? Im conflicted. Ive looked into this a little bit before and it seems like if I invested 20k Id only make about 20 a month. Which doesnt seem worth it to me. What if something happens and I need it all back? For only 20 a month it doesnt seem worth it to tie my money up. Any advice is appreciated. Thanks.  <response>: At the very least you should move the money to a high yield savings account like this one from Ally, which will return 1 200 on 20,000 balance per year. 