I don’t know if this is what some people would call life changing money.
safe bet: long term investment for retirement or to buy a house.
dreamer me: study the piano bachelor you always said you wanted to do, even if it’s just the bachelor, and not a master, even if you’re doing it not for the money or fame, but just because you want to play and maybe teach part time, but mostly because is something I enjoy doing, even if teaching the piano is mostly a side job to my main job.
I don’t know what to do. Feel free to read my previous post, because it’s related to this one.
That is like 1/3 of your 404k. Switch to a healthy (but still reasonable) diet. Buy one of those tap filters. Screen for chronic diseases. If you have enough left over, do buy a house somewhere with cheap life expenses, and start stretching the money out as you work to reach Coastal F.I.R.E. Once you reach the coastal F.I.R.E point, which can be anything from 100k to 600k, you switch to a part-time job, or low-expense lifestyle.
Everything else you will figure out with unlimited time.
Ah yes, Coastal FIRE, not to be confused with Inland FIRE
I live in the American Midwest. I’m DEFINITELY too far inland for coastal FIRE!