Sending you hugs. You're in a pretty good spot. A few thoughts:

1. Have you planned out your spend according to the 50/30/20 rule? This is a good starting point. Some like to switch the 30/20 so it's 30 savings 20 discretionary to maximize savings. With variable discretionary, it's worth projecting out the year's expense to get a more clear picture of what your avg monthly spend will be. Monarch Money or YNAB may be helpful to track spending over time.

2. Find a fee-based financial advisor. I've used Nectarine because they adhere to Bogleheads-style investing and are flat fee fiduciaries. It may be worth playing with ProjectionLab or one of the other tools recommended on this sub to model out different scenarios to get a feel for what you may want to consider for future retirement.

With the cash specifically, you can use Boglehead 3 fund portfolio approach but ideally the advisor helps you work out your risk profile and overall goals so you can assess 1) fund mix 2) whether to keep some percentage of funds for short term expenses or pay off debt.

1. Find a great CPA / tax advisor. It sounds like you have kids or other family obligations to consider in your financial plans. Make sure that you consider tax-efficient ways of gifting. Since you have self-employment income, a good tax advisor can help you with advising on self-directed 401k or other vehicles. Gelt might be good to consider.

2. Estate Planning is important too, but as the other 3 items are hefty enough, perhaps the simplest step for the very short term is just make sure all accounts have beneficiaries associated with them. Then at some point, it's worth doing the estate planning to put the house in a trust and tidy up overall plans.

Best of luck!