I handed in my notice last week after 6 years at a job that was genuinely making me miserable. I have $140k in savings, no mortgage, no car payment, and no student loans. I rent a cheap apartment. My monthly expenses are around $2400. I know this is a good positiom to be in. I also have no idea what to do with it.
I've been reading this sub for a month and the consistent advice is index funds, but I don't know how much to keep accessible vs. invest, whether to do it all at once or spread it out, whether I should open a Roth IRA first, or whether $140k sitting in a HYSA for a few months while I figure things out is a terrible idea. I'm planning to take 3-4 months off before my next job. I don't need this money for living expenses for at least a year.
The only thing I'm pretty sure about is that I don't want to mix all my "money decisions" into one bucket. I've used small prediction market position on moomoo before, they made me more aware of sizing and purpose. A tiny event view is one kind of money decision. Funding a career break and buildin long-term investments is a completely different one.
What would you do in this situation? Genuinely asking!