So, I have too much money in my savings account(s). $70k. Why so much? I just got married about 2 months ago and we both have been saving for a while. Both have decent investment accounts. But both had fairly sizable emergency funds. Easy, put it in a vanguard ETF. Whichever is the one that tracks the whole market more or less.
Ok, but I would like to have 6 months maximal expenses around in case somehow my wife and I both lose our job. So, $18k there.
Still not an interesting question. But, we want to buy a house within 3 years. So now the question is, do I risk it in the market with such a short time period? Short term CD? Loan shark it?
So yeah. What do the mustachians think?