I am fortunate to have a lump sum coming in the new year of around €400k, but I am unsure what to do with it. Putting it in the Credit Union doesnt seem like the best place. I have 2 children, one of 18 and one of 11 and I own my home outright. Credit card debt of €1k but no other loans, I have life insurance but have no pension. Any advice would be appreciated, thank you!