So why so coy about what you're holding? Spill the beans and let us poke holes in it.

The difference between you and me is that I don't even need an emergency fund. So you're either going to learn something from folks who have been there and done that. Or you'll be obstinate and you won't.

Tell us what your investment strategy is then. 100% certain sounds extremely suspect. And trust me, whatever strategy you came up with has been thought of before. And it didn’t work. If you think you’re smarter than everyone else, which it sounds like you are, you are deluding yourself. Not only will you not have that down payment, you may be in a worse place.