> Or stick your money in an index fund Yes, the market grows over a long horizon. Know this though - that long horizon might exceed your horizon when you defi

> Or stick your money in an index fund Yes, the market grows over a long horizon. Know this though - that long horizon might exceed your horizon when you definitely need the money. Index funds can often perform worse than cash in a 3% bank checking account if the timing's off. There are a few of those 3% bank checking accounts right here in the U.S.