[santacruz]

1. Max out investment in yourself first of all - better food, accomodation, time saving stuff...

2. Keep away from anything stock-market related - there are 2 types of people there - those who earn for living there and who feed them.. you are not the former 100%...

3. Get mortgage ( don't pay in cash everything ) apartment and rent it out - pay the reminder with cash and in 20 years you will have it for half price for your children.

4. Put the rest of your money in 2 different banks - hassle free, some %, liquidity when you will need it when you done with #5...

5. Start to learn about investing ( google passive income ) - you are really abnormal person if you got it to 200K and don't know what to do next.