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Nyc couple with $0.5m in income who feels average

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Do you have an emergency fund?
Yep! I’ve got an additional 4 months income also in the hysa
Bonds
Banking bonuses - they take a bit of admin, but your money is 100% safe and 100% liquid. You can get an annualized return of 15-25%.
https://www.doctorofcredit.com/best-bank-account-bonuses/
I only do the direct deposit if it’s a premium bonus. I mostly do the new accounts bonuses, some of which don’t even need a balance. You probably need at least $15,0000 on hand to play ball, and it’s hard to sustain the return on principal over $40,000.