Looking for some financial advice...

I'd say talk to a number of different professionals: Insurance folks, bankers, personal investors. Do what makes you comfortable. I'f you're going to be paying off debts then sounds lik eyou'll be doing ok, no need to be too greedy. Just my thoughts though. I'm a bit of a pessamist when it comes to finances.

Then again, you could also send me some and I'll hold onto it for ya.