So I'm 22 and one of my next major money milestones is going to be buying a house.

So I'm 22 and one of my next major money milestones is going to be buying a house. So here's how I'm managing my money to get there. This video is sponsored by BMO ETFs. So I'm planning to buy a home in the next few years, which means I can't just let my cash sit there and lose value to inflation. But I also don't want to take big risks right before I need the money. So here's what I'm doing. I opened something called a First Home Savings Account, also known as an FHSA, and I'm investing inside of it. But the most common question I get is still, what should I invest in? But the question that you should be asking is, when do I actually need this money? If you're saving for a trip this year, a car in a few years, or retirement in 40 years from now, then that money probably shouldn't be invested the same way. And that's where BMO's asset allocation ETFs come in. They're simple, all-in-one portfolios built for different goals and risk profiles. And they're among the lowest fee asset allocation ETFs in Canada. And the best part, they're a Canadian bank and you can buy them through any investing platform. For example, I'm using the BMO Growth ETF, ticker ZGRO, inside my FHSA because my home goal is still a few years away. It's 80% in equities and 20% in bonds, which gives me a good mix of stocks and bonds without having to manage a bunch of separate funds myself. There's also options like ZCON, ZBAL, and ZEQT. So you can pick one that lines up with your time horizon and your risk profile. If you want to learn more about BMO's asset allocation ETFs, head to bmogam.com/etf.