Open a brokerage account and invest in index funds. That requires the least amount of effort and is shown to provide solid gains over time. You may also want

Open a brokerage account and invest in index funds. That requires the least amount of effort and is shown to provide solid gains over time. You may also want to accelerate your home purchase plans. This is also an excellent way to use spare cash and you will get a nice tax benefit. 60,000 on a car is just like lighting money on fire, but you probably already knew that. Try to get as close to 0% interest as you can and don't pay it off with the spare cash. The money is better off earning 5% in the stock market and paying a 1.9% car loan (if you can get it).