Like the above says he is making 100K with a pension and full benefits. No debt, owns a newish car, rents an apartment. Has a 401 k with 50K, his 15% contributions are split between Roth and the 401, into fairly aggressive funds. He currently has 70K in a high yield savings account. He has, up to now, been resistant to buying real estate. But now he is open to the best use of his money. He is currently leery (rightfully so) of the near term future of the market.
What advice would you give for the 70K in the HYSA? Also would you do anything different with 401K? Any advice is appreciated. Thank you