Whats the smartest way to use $50k?

Whats the smartest way to use $50k? I'm 22 years old, already have a good emergency fund built up, but I've fallen into a windfall of cash. My goal is to build a strong retirement fund and hopefully retire early. If I'm correct, my options are... 1: Roth IRA/401k 2: S&P 500 (or other index fund) 3: High yield savings account 4: T Bills I'm skeptical of HYSA, as it struggles to kee...

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