What would you guys do with $45k sitting in the bank?

I currently have about $20k invested in stocks and $45k sitting in my bank account in cash. I make around $5,200/month after tax, 401k, and health insurance. My monthly expenses are roughly $3k ($1,500 mortgage, $700 car payment, and $800 other expenses). I don’t have any big purchases coming up, so I’m starting to feel like I’m just letting this money sit there for no reason. What would you guys do with the $45k?

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