<human>: Title pretty much says it. I'm debt free, have a stable job, and think I can swing just about $5,500 in savings annually for Roth maxing out. So I'm happy with that, now just have to figure out how to best leverage this extra $35k.

The money came from a life insurance policy after my Dad passed away 10 years ago. I was 20 at the time, and my family took me to Wells Fargo to invest in a rather cruddy mutual fund. It did make some money, so, kind of yay. On the advice of a federal credit union broker I recently switched out of the demon company Wells Fargo and bought into the morally grey American Funds group. But as I learn more, maybe that wasn't the best move.

So, checking in with y'all fine folks. Like many of you, I received fuck all in financial planning education from family or school and am finally working to become more educated, starting from almost square one.

Can you condense the text into three sentences or less?
<bot>: About $35,000 currently in American Funds mutual funds. Already maxing IRA, don't have a work 401k, wondering what else to do?