Rachel Cruz

If that, I love that real estate goal for you.

And if it's going to be longer than five years, you could even drop that in the S&P 500 through Vanguard if you wanted.

There you go.

um if it's longer than five years you could invest it it's going to go up and down it's not going to be as steady as just a high yield savings but high yield savings you're only going to get four to five percent now if it's less than five years i wouldn't probably risk it putting in the market but if you know it's going to be longer than five years you could drop part of it you know maybe not all of it maybe some of it maybe all of it into just the s&p yeah that is very smart because it compounds and it's

Yeah, for sure.

So again, that answered my question.

Okay, perfect.

Well, thanks for the call, Jacob.

You're a sharp guy, sharp young guy.

Sharp young man.

To be able to be thinking about all of this, which is great.

So again, you guys, just to kind of like clear that up, you know, you want to have your checking,

You want to have some savings.

And we love a high yield or a money market account.

But in that, you're going to have your emergency funds, some short-term savings that you're looking towards once you're debt-free and have your fully funded emergency fund.

Maybe your down payment you're saving up for could go in the high yield.

And then beyond that, be investing.

And retirement is your number one priority with investing.

15% of your income will go into that.

And that's Roth IRAs, 401Ks, 403Bs.