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pay off high interest debt
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top off your emergency fund so you don’t run into expensive short-on-money situations
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take care of deferred maintenance on your car or house that might turn into an expensive repair
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If you have an employer sponsored 401k, increase the contribution amount to get 10k more tax free into it before the end of the year and use the $10k cash in hand for expenses.
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Open a roth IRA and contribute the maximum amount you can (which may vary based on your income)
VT, VTI, and SPY are good broad-market funds with good historical growth.
SPY returns an average 12%