40k in savings, what to do with it?

40k in savings, what to do with it? Hi there! I am 24 with almost 40k in a high yield savings account with Goldman Sachs with a 4.40% APY. I am a full time freelancer and have been for nearly three years, so I'm pretty good about putting money away to prepare for slow months. My worst month so far has been $1,300 total and the best being close to $12,000. My monthly expenses are a...

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