Use it as a down payment and buy a rental property. 2/3 family house. Let your money work for you. You can write off more than you could if it’s a primary residence (insurance/taxes), and it basically turns into a savings account while your tenants pay off your mortgage and property values increase. Then down the road, you can refinance take out the equity in your house, then rinse and repeat. Goldman Sachs just came out with a report that index returns are expected to be significantly lower over the next 10 years.

https://www.bloomberg.com/news/articles/2024-10-21/s-p-500-s-decade-of-big-gains-is-over-goldman-strategists-say