re: WWYD if you were handed 50k

Contribute enough to 410k etc. to get full employer match

Pay off any debt w interest rate >6.5%

Max HSA

Max Roth IRA

6 month emergency fund

Set aside for any near/mid term expenses (car maintenance, home down payment, moving expenses etc) in next 5 years in a more stable investment HYSA or CDs.

Put the rest in a taxable brokerage

(Buy low expense ratio index ETFs in investment accounts, open IRA and taxable w Fidelity, Schwab or Vanguard for low fees)

Avoid anyone trying to sell you whole life insurance (or any life ins if you're single w no obligations) or trying to set you up with an assets under management or commission based financial advisor that will put you in high fee products.

Eta: post to money board for better results and ignore anyone saying invest more than 5% in single stocks or bitcoin