This is a good resource: https://www.reddit.com/r/financialindependence/ https://www.reddit.com/r/financialindependence/ Long term VTSAX or FZROX are probably

This is a good resource: https://www.reddit.com/r/financialindependence/ https://www.reddit.com/r/financialindependence/ Long term VTSAX or FZROX are probably good places to hold most of that. You could keep $30k in cash for emergency fund. The other comments suggesting the bogleheads forums are also right. Most of the other comments are a total disaster I’d be cautious about following any of the advice here (it’s also surprising to me how bad it is). I also personally do some individual stock picks of companies I know in the field I’m in, but that’s still quite risky and not advised unless you like this kind of thing (Amazon, Apple, PTON, Nvidia, previously tsla). I hold long term for capital gains. Long term index funds are the best bet, even if the market goes down you can wait it out if you’re young. If the current conditions scare you, you can “dollar cost average” entry which just means buying $X amount each month/week until you’re fully invested. Long term this kind of thing doesn’t matter though. Are you looking to use the cash soon? If so you may want to not invest it. Being forced to withdraw is where the problems come from. Don’t listen to anyone on here about bitcoin. That’s gambling, if you want to do that know it’s gambling and expect to lose everything.