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Invest half use 300,000 for a cute flat (paid in full) then use 20,000 to buy a new closet and some cute home decor use 88,000 for 4 years of university tuition keep 8,000 in my chequing use maybe 50,000 for living expenses put 34,000 in saving boom I'm set for life.(the fact that I think it'll be that simple)