Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

New to investing — I have $20,000 cash saved, what should I do with it?
Just my 2 cents, I read on the book, The WSJ Financial Guidebook for New Parents, that "the average family spends between $11k and $16k raising their child during his first year".  So it might be better for you to make a budget including that cost, then decide how much money you feel safe to invest.