Other things to consider... how much do you value that $100k? How long would it take you to replace? If I had 100k at 20 and I had a good job or business that

Other things to consider... how much do you value that $100k? How long would it take you to replace? If I had 100k at 20 and I had a good job or business that let me put away 50k, then I'd go very agressive with it. Why? Because it's relatively easy to get back to zero if all hell breaks loose. If you were 50, and had that 100k, my answer would be completely different.