a) Find a financial advisor who takes a fee rather than a portion of your investment. (And/or talk to multiple of the "free" advisors at Schwab/Vanguard, etc.)

a) Find a financial advisor who takes a fee rather than a portion of your investment. (And/or talk to multiple of the "free" advisors at Schwab/Vanguard, etc.) Get the money working for you. Just be aware that there's (probably) a recession coming soon, so you want to make sure you're very strongly diversified - probably go heavy on bonds, cash. (Get their take on it. IANAFA.) b) Are you worried about going (stir/)crazy if you retire? Put it this way - you're not going to be reincarnated, and you're not going to spend eternity playing harps. You've got 20 to 40 years left on the planet (i.e. between 7.3k and 14.6k days,) depending on how well you've been taking care of yourself, and you're only going to be truly fit for about half of that, barring misfortune. Your forties and early fifties are your remaining chance to do anything reasonably energetic outside the norm. Spending them in an office working on meaningless products for somebody else would be a waste. Don't freak out it if you don't yet have any ideas about what you would do. Keep working for at least 6 months. In the meantime both you and your wife should come up with "dream lists" / "bucket lists" - 100 items each -- things you want to do (anything from places to travel, skills or subjects to learn, books to read, things to create, experiences to try, etc) before you kick it. It'll take a while if you haven't done this before. Don't compare lists until you both have them. After you both have lists, read through them together. If you're not convinced about any, strike them and replace them. Prioritize them. Start doing them. Quit work once you get into it sufficiently. Enjoy life & freedom.