Long story short we’re building a house, and we have $75,000 saved up, the land is already purchased and paid for. Because of this the land cost helps make closing costs basically negligible. My wife and I have budgeted in such a way that we want to take $400 or so per month of the $75K to help us supplement any over runs or new purchases in our first couple years in the house. What would you suggest we do with this money for the best return on the majority of the money while still being able to draw money every month from part of it?