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@nick220 It's perfectly fine to just leave it cash or a short term bond fund. Come back in 6 months and reevaluate.

@nick220 The problem is your time horizon. Do you really want this money as a down payment in 6 years? Long term the market is great. 6 years it's a crapshoot. You can reduce that risk by going half bonds half stock index to trade off potential gains for risk. If you're not going to need...

@nimbus What is the debt for? Did you do a DITY? Were you receiving some allowance you weren't supposed to? Something is wrong here.