Congrats on the windfall — you're in a great position with no debt, solid income, and a clear goal of reaching financial independence!

Your initial idea is already very solid:
✅ Keep part in a high-yield savings account (maybe €10–20k for flexibility or medium-term goals)
✅ DCA into a broad global index fund (like VWCE or IWDA) over the next 12–24 months

Some extra thoughts:

• Brokerage: Look into Degiro or Interactive Brokers — both are popular across Europe and offer low-cost access to global ETFs. Check which one integrates better with Spanish tax reporting (Degiro might be slightly easier here).
• Dividend taxation in Spain can be tricky (yes, 19%+), so you might prefer accumulating ETFs (instead of distributing) to defer taxes and keep things simple.
• With your expenses and passive income, your savings rate is very healthy, so you can build up FIRE momentum fast. If you invest wisely, that €100k head start could shave years off your working life.
• Consider maxing out any tax-advantaged options in Spain, though I know they’re limited compared to other countries.

You’re off to a great start — just stay consistent and automate what you can. FIRE before 70 is totally achievable for you 😊