system
A chat on subreddit /r/wallstreetbets
human
Buying the house gives you a bunch of tax write-offs. Might be worth talking to an accountant.

gpt
I second this.  Buy a $10 or $15k nice used Altima or Honda and use the rest as down payment on a house.  I bought a house in 2012 and it's been one of the best investments.  Opens up alot of credit opportunities too like HELOCs etc...which are some of the cheapest loans you can get if you ever need money.  Granted it is against your house but the interest is so much lower than most other loans.  You can use it to get out of debt faster.