Spend some time researching investments. Shoot for 6-8% interest a year which should give ya $8,000 to 12,000 annually. Or put 100,000 into an account like that and speculate on something else with the remaining money. Hell put 3,000 into crypto and see if you can turn it into more money (I turned 3,000 into 75,000 this year) and put the rest away in sound investments. Or pay off your house or start a business. Lots of options, just play it safe