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No. of Recommendations: 2
Well,

A challenging position. However, when I look at your situation, I see the following:

- Your part time jobs cover your bills. That is a very big deal since it allows you to do something with your assets. Given your ages, you should research what your social security benefits will be. Your time horizon for working might be age 66.

- Since your PT jobs pay the bills, I might be persuaded to put the entire 860K ($90K, $370, $400K) into an S&P500 Index fund. If that is too big an emotional risk, go 50-50 with a short term investment grade account. Be prepared for some blips. Yet, over the long run, it will generate 5-6% per year, so $40K plus whatever your earned income and/or social security is.

I get the risk emotion. Somehow you have to forget about the day-to-day and look forward 5-10 years. That will make a big difference.

Living where you love it and having income to cover gives you options many don't have.

Best
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