<prompt> Human: My wife and I were recently gifted 13,000. We want to use it on a down payment for a house. We are living rent free currently and that will be going for another 6-9 months. We want to use the 13k and increase it as much as we can. Is there some kind of an investment that we can do in that short amount of time and where the money will not be locked up or penalized if we need to take it out in 6 months? Or would it be better just to hold it in our savings account until ready?Thank you for your time.  <response>: Savings account. 