<prompt> Human: Hi PF! Longtime lurker here. I found out recently that I will be earning an additional 40,000 dollars each year through a variety of inheritance mechanisms. I want to maximize my savings and enjoyment of the mone, but what is the best way to do this?For convenience, we can assume I make a regular salaried wage of 100,000 dollars each year outside of this while living in a high-cost city.Any advice would be appreciated.  <response>: Move to a low cost city and retire? 