50K in HYSA and I do not know what to do...
I have just graduated from college (debt-free), and between savings and gifts, I have around $50K in a high-yield savings account. I have already maxed out my Roth for this year between 3 ETFs (QQQ, SPY, VXUS) and have an everyday brokerage account with a little less than 15k. I start a full-time job with net income of around $2000 a month. I feel disgusted leaving the money in HYSA, and I want it to grow until I am ready and/or find a property to purchase and use for a down payment. I am stuck between CDs, a brokerage firm, and just putting it all into an ETF, an automated brokerage account like Schwab's. I want to minimize penalties and fees so I can liquidate when the right deal comes around. I plan to continue to contribute to the base amount once cash flow from my job begins. Any advice? thanks!