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like you sign up for your one dollar a month trial at shopify.com slash setup welcome to the nerd wallet

smart money podcast where we answer your money questions in 15 minutes or less.

I'm your host, Sean Piles.

And I'm Liz Weston.

Hey, we'd really like to get your questions so you can send them via text or via phone call to the Nerd Hotline at 901-7306373.

That's 901-730 Nerd. You can also email us at podcast at nerdwollet.com. And you can even send your

voice memos to that email address if that's easier for you. Let's get to this episode's question from

Henry. He says, I'm wondering how to best save for a down payment on a house. I just got my first job, and after

contributing to my 401k and Roth, I have enough money to start saving for a down payment. I have

decided to live with my parents for the next two years, and they have generously agreed not to

charge me rent so I can save for a house. As a result, I don't necessarily need to access the

majority of the money I am saving for the two years.

I'm wondering how to best maximize this money.

Should I put some of it into a CD for two years?

Or would it be better put into a high-yield savings account?

There doesn't seem to be too much difference in APY at the moment.

I just want to make my money stretch as far as possible.

Okay, what Henry is running into is what

...