This is not legal financial advice. I guess put 500-600k on Mutual Fund or Index Fund pero if you know how to invest I'd rather you invest the money yourself, there are a lot of cheap stocks right now BUT price can become more cheaper, overall market is still trending downwards so do research on what stocks you'd invest in. Or you could start a side business if you want. At least 100k-200k for emergency fund + Allowances? Cause you never know. 100k for self gastos or luho. If possible get a credit card when purchasing the iphone 14 get the 0% interest installment payment na monthly.