<prompt> Human: Background: I live in Seattle with my girlfriend. Rent for our 800 sqft apartment is around 1450 incl WSG, not including electricity and internet. I have renting apartments since 2010, so Im starting to grow tired of it. Id like to have a place I can make my own, and a garage I can work on my car in. My parents, being the loving human beings they are, decided to surprise me at the end of the year by gifting me 28k, which is now sitting in my Fidelity account as FCASH.Now what? My year lease is up in July. I know this amount would not be able to cover a 20 down payment and contribute to a monthly mortgage payment if I decide I want to purchase a condo in July. Would it be best to rent for another year, invest the money, and buy in 2019? If so...there are so many options. Right now I have some money in various ETFs. Would ETFs be the best choice for maximum growth in a years time? I do not mind aggressive investments right now. I have around 11k in credit card debt at the moment. I pay about 557 a month to pay off a car loan. Other than rent, utilities, paying off credit card debt, and paying off my car loan, I dont have any other monthly costs. How can I best make this money work for me?Thanks in advance for reading this jumbled mess.  <response>: Pay down your cc debt first, and resolve never to accrue a balance again. Sock away 1-3 months of living expenses in cash.Whats left over?Thats your baseline for a down-payment. 