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You could also do the things you planned on doing and for the retirement component, if you don't want to actively manage your money, get an account with Fidelity or Vanguard or other mutual fund where for one or two percent per year they will actively manage (invest your money for you). The better job they do for you, the more money they make. I'd want to make sure I got some sort of minimum return however if I was going to be paying anyone multiple thousands of dollars per year to handle my money.