That is my plan. I’ll just save it at Money Market rates until I figure out how to invest without risking the principal or paying a great deal for an advisor.
Till then, I’ll hold it in an account that is NOT ATM accessible. I know myself. I don’t want my access to this saved money to be too easy. I need to really think about it before gnawing away at that account. Sort of like keeping a bottle of fine whiskey locked up in my kitchen cabinet, and paying someone to hold the keys.
There is no gain without risk. Find a Mutual Fund with a good track record. Dipping below Principal is not a bad thing so long as you don’t sell it. It always eventually comes back.
When the market is down, you are just buying stocks cheaper.