<prompt> Human: I am not real knowledgeable with financial strategyinvesting but I am pretty good at being frugal and not blowing my money. Im 35 years old, single, no kids, with a decent job but am far from wealthy. I have no debt and rent an apartment. I like saving money and ideally will have enough saved up for a down payment on a house when Im ready. Unfortunately, the city I live in is currently one of the hottest real estate markets in the country so buying a place may not happen for a while.Because Ive been saving, I have ended up with around 30k in my checking account. I understand that Im not making anything having that money just sitting there but are there really any better options if I want to be able to potentially access that money in the next few years? Thanks in advance.  <response>: A savings account somewhere would at least give you some interest, while doing some investment in index fundsETFs would give you better return while being somewhat safe. If you think you need that whole amount to be liquid, I would at least do a savings account to at least earn something. There are a few out there that will give you 1 interest. 