I think the key pieces of information we’re missing here is how old are you and how life changing is this money for you.

If you’re young and poor, sock away about 2/3 of it in an index fund and 1/3 in a high interest savings. Take out loans and go chase that dream bro. Use the 1/3 in savings to cover your life expenses.

If you’re mid life and poor, use it to bolster your retirement. Defer the dream but chase it once you’re comfortable.

If you’re late life and poor, take lessons from a good tutor, don’t go for the Bach. Use it to subsidize Social security. Consider moving to a cheap country where that kind of money will support you for many years.

If you’re old and well off enough - go self actualize. Time truly is the scarcest resource.