Our sale was delayed by 5 months due to COVID so I stopped planning next steps because everything felt so uncertain and still does for that matter. However, the one benefit to the delayed sale was that I could complete the FAFSA application before the sale went through. I now need to deal with the proceeds from the sale and I still might need to complete the CSS form. I would like to keep a portion of the gains liquid to supplement earned income and to help pay for college. The balance I would like to invest for retirement. It’s striking the right balance between liquid and locked away. I have been warned against annuities and paying down my mortgage. Sounds like the advice I’m getting from senior forum contributors is to seek out a financial advisor that doesn’t sell a product like the one that’s already been recommended to me.