(Windfall?) Couple in early 50’s (USA), made extra $70K this year

(Windfall?) Couple in early 50's (USA), made extra $70K this year My wife made $70K consulting this year, this is above our normal full-time jobs. Details: Wife is self employee (therapist), I work for state of GA. No debt besides about 11K on house payment at 2.75% Our cars are both roughly 10 years old We pay monthly into Roth IRA's to max them out. Have $35,000 in various stocks in Fidelity investment accou...

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