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boonhet ,

You’re on track for early retirement. You’re likely well-disciplined.

Take this windfall, or at least some part of it, for something to enjoy. A holiday, a reasonable new vehicle if you drive (I.e not a luxury car of course), or maybe home improvements. Hell, make it a classic car that appreciates in value and only drive it on the weekends in the summer.

You can’t take your money to the grave with you and none of us truly knows if we’ll even make it to retirement. It’s great that you’re disciplined financially, but you should also enjoy life while you’re still young.

OR throw it all into whatever you’re currently investing in, and retire a year or 2 earlier. Idk.

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