So, I am at a point where I am saving heavily with the overall objective of waiting for some sort of housing correction before I dump money into real estate. The current home values are just too high and not worth the investment. At the same time, I feel like dumping all my money into my home could be a massive loss if the market corrects to as I do not really have the intention of staying in my house forever. So ultimately, I am at a point where I am just building and building savings and annually realistically, I am losing about 4% a year due to inflation. Now 4% on $10,000 is only $400 and long term, 4% of $100,000 is only 4 grand. I am filling the account at a much higher level than even 4k annually so while I am losing to inflation, I am still gaining steam. I looked at things like a CD but even a CD would only adjust my loss to 1% instead of 4% so it has some benefit but my money would also be locked up for 5 years. I also found high interest yield savings accounts a little over 2% therefor I would go from losing 4% annually to 2% annually so it is a little better and done with zero risk. So at this point I feel like I should do that or say screw it and go into stocks or bonds. Unfortunately, even with me being in finance and knowing a ton about finance, my experience is NOT in these sectors. So, even explanations I am given often come through a little confusing and big picture, taking a risk with the money scares the crap out of me. I like investing in real estate as I see it as a no risk market - if I buy at the right time. so for now, my strategy has been to simply build capital as fast as I can until that "right time" or better time comes along. I imagine there are courses around town that are done to review investing, bonds, stocks and more. I still think with full knowledge of stocks I still wouldn't enjoy the risk of them, especially because I do not have time to fully watch the market between work, 3 kids and etc. But then, paying someone to manage it when they could fail and lose money too just doesnt sound all that appealing. Losing $400 off each $10,000 I put away seems plenty safer.