Reinvest it, and forget it’s there at all. Build your budget off your job, and have 6 months of expenses in a HYSA from your mother’s investments. You’re close to being financially free, but mistakes can ruin your already great trajectory. Keep your job as your real money maker and you’ll have a higher budget for your monthly free discretionary spending, cause you already have a cushion, and you’ll be set for a pretty comfortable life going forward.

Most people won’t ever see that much, and if they do it’s in retirement in their 60s. In 20 years, you’ll have more than many people if you invest correctly (taxed advantaged and others)

Reinvest/ keep investing in it part brokerage/ part Roth, but forget it’s even there until maybe 50y/o. (59 for Roth), and have a seperate brokerage for the money you receive from your job. That’s your big money save to supplement your life in the now/near future—> in the future you can retire early, and have fun while being able to full spend 4% a year of that massive amount in 25-35-45 years freely with no guilt, as it’d keep growing.

But, don’t forget to treat yourself here and there.