[SavantIdiot]

If you want to play the grown-up card, ok: the grown-up thing to do with half a mil would have it be in the hands of a registered investment advisor at a reputable and insured institution, who is actively growing that money for you using reasonable investment principles based on your investment horizon, goals, and comfort level; and not pissing it away on the latest hype cycle. But that is only because I lived through the silver boom & bust, the mortgage bond scam, the junk bond scam, the S&L scam, the first commercial online investment platforms, the dot com bubble, the second mortgage collapse... and Bitcoin* is more of the same.

* I said "Bitcoin" and not "cryptocurrency" intentionally. Because the jury is still own on the latter, but the former most certainly will not be the CC of the future IMHO due to its massive privacy shortcomings, among other things.