<human>: I'm 27 and I currently make about 45k a year. I just set up a 401k and will be contributing 6% to qualify for max employer match, but I doubt I will be staying with the company long enough to take all of the company contributions with me. Other than that, I've just been dumping $200 out of every bi-weekly paycheck into a low interest savings account.

I would like be able to purchase a house within the next 3-5 years. What's the best way to save or invest that money to build up a good down payment? I've looked into Roth IRAs and investing into a mutual or index fund, which are all still little fuzzy to me. Some stuff I've read seem to suggest that they are the same thing.

I'm pretty new to this sub. I have always been pretty good with budgeting paycheck to paycheck, but I'm still very much a noob when it comes to planning for the future.

Can you summarize the given text in a few sentences?
<bot>: I have about $5200 a year I can save or invest to build up down payment for a house. What's the best way to go about it?