Step 1: Dump it all into cryptocurrencies Step 2: ??? Step 3: Profit! Seriously though, everyone has given very solid advice. As mentioned, the first thing

Step 1: Dump it all into cryptocurrencies Step 2: ??? Step 3: Profit! Seriously though, everyone has given very solid advice. As mentioned, the first thing you should do is consolidate all 401K accounts into a single IRA (or Roth IRA if you're hedging against much higher tax rates in the future). Also, consider setting aside 10% of your IRA to play/learn/speculate with. By this I mean investing in funds or direct stocks in areas that you have an outside interest in (e.g. tech, clean energy, socially responsible, geographic region, etc). Due to your interests in this area outside of pure personal finance, you may be motivated to learn more about investing in general - which is always a good thing and will be more important as you begin to pull money out of your IRA during retirement.