Let me begin with a congrats on the money ytou have accumulated. Everything you are asking about poses conflicts when one is choosen over others. That being said, I would suggest begining with Retirement and at the vaery least, make a contibutions to an IRA or ROTH IRA for 2016. You can never start too early for retirement planning, That having been completed, it is now time to identify your priorities. .A home is an asset we all expect to appreciate. I for one believe that we are in another Real Estate bubble and suggest tyou check with some real estate brokers to determine if your market is getting over priced. If this is the case, consider a multiple family home, 2 family of 4 family where income will be produced and covers all expenses. Try to locate a house where the tenants pay their own utilities as they are much more conservative then if you are paying them. Then the car-rememebr this is a depreciating asset so consider a low mileage unsed car and then add to your IRA or ROTH IRA early in the new year. I hope this helps and good luck--Merry Christmas
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