<prompt> Human: Wife and I are 30 years old, and have 2 three month old twins. Currently have about 135k in our 401k accounts, and another 17k In Roth IRA accounts that we max out. Together we make about 95k, but my wife is about to lose her job. I make 46k and the wife is considering just staying home. We live in a house valuedzillow at 175k and we owe 43k on our mortgage3 interest rate. Currently we have 125k in cash largely thanks to a very generous uncle. He has given us around 90k over the last 3 years, and there is no indication that he wont continue writing us checksno indication that we will get more either. In the world today with basically zero interest rates, I feel like i am funneled into the stock market, which is at all time high and the bubble could pop at any time. Which is where most of our earnings go, but what about the cash that is sitting in our bank account? Would it be wise to just leave it there allowing my wife to stay home with the kids? I was thinking maybe Muni bonds would be a decent way to go for that cash, but after reading several threads on here, that might not be the best way to go either. Should I just throw it into a taxable brokerage account? Any ideas? Its a lot of cash and I really dont want to look back and just shake my head wishing I did something better.  <response>: The market is often at an all time high. Thats the reason we invest in it after all 