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Why not continue to have that money saved, figure out how to continue maxing out your 401k and presumably an IRA. Look into mega back door options to get the extra 30k into a 401k Roth at work? Have that $90k as a cushion to continue growing and consider Amazon type stocks with no dividends if you’re worried about dividend taxes.
Also, if it makes sense to save on premium and build more money you can open an HSA through bank of American or HSA bank once qualify and put in the $3,450(x2 if married).
Thank you for the advice, currently looking into opening an HSA and adding money to my IRA.