We have $200k sitting in our Credit Union's HYSA. We earn $554 a month in interest. Most of the money is an inheritance that my wife recently received. She would prefer it remain cash for a general fear of investing. I started our personal investing 2 years ago with Roth IRAs and a brokerage account totaling $50k currently. She has a work 401k with $105k. I will have a pension in 6 years. We make about $168k a year combined. Our monthly bills are under $5k with two car loans for debt. I'm invest
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