-Around 70k saved up
This is only a suggestion:
Take 60K of those 70K and then go to
Vanguard.com and open a Roth IRA. Invest it as follows:
20K in VTSAX Vanguard Total Stock Market Index Fund Admiral Shares
20K in VTIAX Vanguard Total International Stock Index Fund Admiral Shares
20K in VBTLX Vanguard Total Bond Market Index Fund Admiral Shares
Leave it there for 20+ years. If you need emergency cash, you can withdraw your contributions, not your interest, penalty free. Do that only for a real emergency.
If you have a job without a 401K, then contribute up to $458 a month to this Roth, split 34% / 33% / 33% respectively.