I’d use it as down payment on a duplex or quadplex in a midsized city and rent it out for investment income. Find a city you think is on the upswing & growing.

I’d use it as down payment on a duplex or quadplex in a midsized city and rent it out for investment income. Find a city you think is on the upswing & growing. Find a local realtor and tell them you’re looking for an investment property. You don’t have to make a lot of money on it. Investment devaluation makes it tax neutral-ish.