My wife and I have $140,000 sitting in savings - How should we put it to use?

• loan money
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• lump payment
• lump sum meaning

I am 35. Wife 30. We have a house but will upgrade in a few years. Pretty steady jobs and put in as much into our 401K's allowable. We have no kids but hope to soon, so we want to keep liquid. Any thoughts?

My wife and I have $140,000 sitting in savings - How should we put it to use?