Also consider most of the working class can not afford to stay liquid, once you can afford to be liquid you almost can not avoid staying some form of liquid to keep stability.

I would consider putting money into an ETF like the SPY500. You cannot take out of 401k $ without penalty(typically) Google what the SPY500 has had for gains over the last 100 year versus Google gaming 401k return over the last 100 years. Now consider you can pull out of your own equities but not 401k without extra hoops. Then, if you want to roll that money over into something like property it will be easier for you being so much more liquid.

However, I saw this as we are Ina recession and look like we are going g into depression. I would only put maybe half that money in right now, and save half the money to reduce dollar cost average in 2023 if we go into a depression. The aim is to come out of depression ahead.

Honestly even big money manager firm makes some pretty narley mistake when they do not consider thier own liquidity. Considering your financial position try and stay liquid while using that money. You are a head of the game, the hard part is over friend, just stay liquid so you do not risk your castle/empire.