Personal advice:
1。 Leave a part in the restaurant regularly every month to increase liquidity to avoid accidental use.
2。 Take out one copy every month for steady investment, such as bonds and insurance.
3。 The rest can be used for short-term investment or long-term investment, which is risky. For example, now buy a stock with the same capital at a fixed time every month, and sell it at the same time in a bull market. Buying at a fixed time does not consider profit or loss (the absolute profit is higher than expected). Or invest in other industries of friends.