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VP1 has an interesting idea. If you normally can’t max out your 401k, and you have one, I would max out your 401k and live off the $30k. Essentially, you would just be swapping the $30k into a tax advantaged account.
I would put it in savings and then max out retirement early next year, including 401k, roth, HSA
Yes, we already max out retirement accounts and 401ks, just want to know what stocks people are looking at
You could also have the money in tax advantaged vehicle that will both protect and grow the fund. There are many options out there with the possibility of accessing the cash if needed.