<prompt> Human: I live in New York City, if thats relevant. Im otherwise solvent, single, no kids. Id like to get a decent return on the money yet still have the flexibility to withdraw a significant amount if the need should arise doubtful.  <response>: Pay off any bills, use maybe 5k for something nice. Set up an emergency fund, and invest the rest. DO NOT PISS AWAY ALL THE GOD DAMN MONEY 