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Sounds like you have a great mindset and plan of what to do with the money. So many people our age would just drop the entire thing on a new car and downpayment on a house they couldn't afford. is an outsanding broker I've been using for 18 months now. Set fee for the year (about $250) and you can make as many trades as you need to. Best part for me was it gives access to MFs and ETFs. Typing from an iPhone so I'll make this brief. I'll give other advice that might help next time I'm on a desktop

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