 I'm writing on behalf of my daughter because I don't know the answer. Would it be better to invest in a high-yield savings account or stocks or something else? The original plan was to invest in real estate, but her job situation may change, and the market is tough for first-time homebuyers. She's only got about $25,000 to invest. She's turning 23. She's already maxed out her Roth IRA for the last four or five years while attending university.