Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Saving for a down payment on a new house, a few years out. Where do we put our money next?
Rewards cards charge the merchant more to process.  So the card is making money when you use it.  So if your concern is for the cards going away because they are losing money... That is not going to happen because you use it too much.  If their business model has them losing money because they are giving away more rewards than they make then they are going to go away anyway.  TANSTAAFL.   If you are looking for security and the ability to access your funds when you need them then a standard savings account works great.  We have a few Credit Unions that have over 2% return while its not much it is safe and liquid and better than the Stock Market did in the last year.