First I make a budget ignoring the 100k and assess actual needs for capital outlays like do I need new clothes to try to get that better job? Is my car about to die? Assuming nothing and money left over at the end of each week, it's all going into fuckin' bitcoin (speaking for myself here not financial advice). Bottom line is if you have goals that have been held back by lack of liquidity, fix that first, then save your damn money.