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If you don't think you'll move, buy a house outright. If you do, invest in a Vanguard or similar 'safe' investment account (see a professional).

Depends on housing prices where you live I suppose, here 85k landed me a quaint 1200 sq ft 3 bed / 1 bath place in suburbia. Not the best house, but one I'd be ok dying in.

Honestly being young, talk with a professional and see where would be safe and yet flexible if you need it later.

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OP might need to interview a few professionals, because I talked with a retirement advisor (free via work) shortly after college and they basically told me "You're young, you could lose all your money tomorrow and it won't matter in the long run" and basically gave the normal advice of "buy index funds."

Similarly trying to find someone now that I can pay for advice is difficult because there's no one around working with young professionals. You either need a few mil in assets, want them to manage all your money, or be 10-15 years from retirement.

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