I love to listen to your podcast while I work in the lab. I'm a doctoral student at MSU and my fiancée works as a technician in another lab. I have three years of school left, and I earn a meager stipend on an assistantship as I work towards my degree which includes health insurance coverage. My fiancée has a savings of about $20,000 that we have wondered what to do with. We will probably buy a house in the coming years, but we're not sure where we'll end up, depending on the position I'm able to get after my graduate work. What's the best thing to do with this money? He has no debt whatsoever, and I have about $37,000 in government student loans that I am making payments on while they are in in-school deferment right now. Is there a better investment to do with his savings than sitting in a low-interest savings account that we could still have access to somewhere in the next 5 years? Amber. East Lansing, MI