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### Financial Advice Request: Housing Purchase Savings Strategy

Hey y’all, I appreciate any advice you can offer on this topic!

BLUF: When aiming to buy a house in the summer of 2028, should I opt for a High-Yield Savings Account (HYSA) or invest in stocks for my savings/investments leading up to that future down payment? While time in the market is typically superior to timing the market, a 4-year timeline may not provide enough buffer in case of a significant market drop, leaving me uncertain about the best approach.

#### Current Financial Situation and Goals

I am 25 years old and currently earning around $68k annually (adjusted for military-related tax and retirement considerations). I do not have any additional income or dependents. I am actively paying off a small amount of debt at 0% and 2.99% interest rates (approximately $2k and $16k, respectively).

I have consistently maximized my contributions to my Roth IRA since the age of 18, and I allocate 10% of my monthly income to my Thrift Savings Plan (TSP) – a form of an employee 401k.

Recently, my savings took a hit due to unforeseen circumstances, requiring me to cover expenses for 5 months of temporary accommodation. However, I have been diligently rebuilding my savings and now find myself in the fortunate position of having excess funds.

#### Financial Planning and Decision Dilemma

Moving forward, I plan to uphold contributions to my Roth IRA and TSP. Additionally, I aim to allocate over $1,000 per month towards savings and investments, adjusting the amount as my income grows with promotions.

However, I am torn between opting for a High-Yield Savings Account (HYSA) or investing in stocks. Given my concerns about market volatility over the next 4 years, particularly with upcoming election-related uncertainties and potential market fluctuations, I am apprehensive about safeguarding my down payment in the event of a market downturn.

My target timeframe for purchasing a home is set for the summer of 2028, with a scheduled deployment in 2 years lasting for another 2 years – ultimately locking me into this timeline. Given the relatively short 4-year investment horizon, I am hesitant about the risks associated with investing in stocks, even though I usually adopt a “set-and-forget” approach to investing. This situation feels notably riskier to me, prompting me to seek varied perspectives and advice.

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Legal jargon can be confusing and overwhelming, especially for those who are not familiar with the language of the law. It is crucial to have a clear understanding of legal terms and phrases in order to navigate the legal system effectively and protect your rights.

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