Edit: update I decided on a CD. I may do an index fund in the future. This was a short commitment and easy to understand. Thanks everybody.
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Don’t disagree about stuffing it in VTI… But, be aware that things can go up and down, so don’t obsess over the value one you put it in. It’s long term so it should go up over long term, but they’re can be months sheets it goes down and even a year where it doesn’t do well