My husband and I are finally moving into the post-grad school phase of our lives, both in the private sector, so we have BONUSES! (Which I'm still shocked about, we were both bartenders and non profiters and students until about about five minutes ago). We have shored up several things, including buying a house and dealing w an emergency fund. We want to take our bonuses this year--which according to dcum is not actually a lot, but about $20,000--and put it somewhere safe, but where it could grow, so not a normal savings account. So where should we put it? A CD? Invest it? How does one do that? For a lot of reasons we're just going to let this sit for about 18 months or so until we figure out the best way to use it (we might have a baby) but I want to be able to have access to it. What would you do?