<prompt> Human: Hi folks. Brand new here and no idea what Im doing but Ill give some background. My father is an amazing man and years ago when my mother and sister passed he set up an annuity to pay out every so many years for me.I turned 35 in January and received 150,000.I have a new wife as of October as well and we do want kids fairly soon. Likely trying late this year. We purchased a house for 78,000 and I completely paid it off.She has a leased vehicle which we will have to get a new one in august. My vehicle should last a few more years before I need a replacement. I make sure she drives to nicer vehicle because I like knowing she had a safe reliable vehicle. Spent a bit on some remodeling and furniture and am currently sitting on about 66,000 in the bank aside from my regular bank account which pays all the bills.I currently have a Roth IRA with I believe around 8000 in it and a mutual fund with around 12,000 in it.I also receive one more annuity payment at 40 for 450,000 I have a good job that more the covers us and our lifestyle but it isnt quite guaranteed to last. She brings in a small amount but it covers the cable bill, her phone and groceries with a few hundred a month added to the accounts. Im anxious to use roughly 50k of whats currently sitting in the bank to make more money. Its not needed and I know its not being put to good use in a savings account. Any help or questions let me knowThanks folks.  <response>: Could just put it into a retirement fund. Sure youre only 35, but its always good to have money put aside for something. Never know whos going to get sick or run into a health problem. God forbid of course, but better safe than sorry. 