<prompt> Human: Im considering either stock market or real estate... Ive had little luck with my previous wall street endeavors, and 30,000 seems like too much to risk losing on a bad stock. That leaves real estate, and Id have to use it for a down payment with a good LTV ratio and leverage my investment, which could also go wrong... any ideas on the best route? Anything would be appreciated.  <response>: If you see a lot of posts here about what to do with large sums, read a few. 