<human>: Hey there. Loooong time lurker. I trust you guys more than a bank financial agent for unbiased advice. 

I have been saving for years (29 female). I have 140k.  No student loans. No credit debt. Been saving with the thought I was going to immediately buy a home, but I live in NYC (and still love it here, so have stayed longer than planned). 

Now that I realize I am not going to be using that money for a down payment. What do I do? I have a 401k with my job that I give 10% to that they match. I don't make a ton of money for NYC (70k) but I don't have very many expensive habits (hate shopping/don't own a vehicle/always take public transit/etc) I live in a rent stabilized rare gem (800 a month in East Village) and my main expenses are travel, eating/drinking out with friends, and rent/groceries. 

Please help me make the most of this money. I do plan to leave NYC in the next 3 years and buy a home closer to my folks in Denver. (Better to buy a home in cash or have an interest payment?)

Thanks so much for any advice!!! Also. I am NOT a risk taker. Who do I call? What do I say?

Provide a brief overview of the text.
<bot>: I have 140k cash I have saved. I have decided not to buy a home at this point, now I don't know what to do with it.