 knowledge wise with the history of the stock market so i'm plunking all of it if it's me into an s&p 500 if you got a four or five year window if you're a little less comfortable do some there and some otherwise if you're completely that freaks you out just put it in a high yield but you've got the downside of it's too accessible you know it becomes a bass boat funder i need to redecorate the kitchen fund or yeah whatever the crap comes up this is the ramsey show