<prompt> Human: First off, Im sorry if this has been posted before. I read the wiki.Basically, I have 100,000 sitting around and I dont know what to do with it. Long term, Id like to put it into index funds, but I dont like how the market looks right now. My backup plan would be real estate but Im not in a good position for that either.EDIT: It seems like the general consensus is that I should invest in stocks.  <response>: Your own education and professional development. A business you run or are intimately familiar with. 