<prompt> Human: We are living comfortably, although not entirely debt free mortgage.We dont have investments, we wouldnt know how to start investing in stocks. Well make some frivolous purchases for sure, my wife is asking for a deck I want a basement. Im curious what different ways we can use this incoming money.For instance - a business franchise consigning business for 20k?, foreign airbnb investment property for 50k, open some high interest account to stash the funds?Is there a way we can set aside a chunk of this for our two kids college funds both aged below 6?Im hoping that by having a solid plan and specific goals with this money, the purchases can be put in perspective and sufficiently constrained.using a throwaway acct  <response>: 100 go talk to a financial planner. Do your research and go with someone only after youve talked to several different people and decided on who seems to be giving you the most honest and down to earth answers. I guarantee several will try to blow smoke up your nethers. The guy who has a good plan that he explains honestly and with a focus on the right riskreward for that money is who you should go with. Remember, youre trusting this person with your kids college future. Dont let them sell you bull. 