Interested to hear where other mustachians would stash their money. A few quick pieces of information to set the stage.
Male, married, 34, 3 kids < 10. Retirement savings ~$150k (includes some equity in a rental--my former primary residence). Currently live in a house that meets our needs and our stage of life. There is some possibility, though, that in 2-3 years we might need a little more space. Current plan is to stay in the current house, but with the reality that we might feel different as the kids get older. We live in a LCOL area. No debt (other than a couple thousand in student loans at 2% that I refuse to pay off faster than they make me) other than the mortgage on the current house and on the rental. In 2-3 years, will have ~$80k equity in the primary residence that I'm in now. Would be upgrading to a house that would probably be somewhere in the $250k range +/- a little.
Where would you store money that might or might not get used as a house down payment? I don't really want to sock a bunch of cash into a high-yield savings only to decide in 3 years we're staying put. Was thinking of throwing it into a Roth (last tax advantaged savings I have available...maxing 401k and HSA). That would at least let me get out the $11k/yr. Other ideas? Recs? Could stick it in the Vanguard Roth and invest it in something pretty conservative like a bond fund. Just looking for ideas.
