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pay off high interest debt
top off your emergency fund so you don’t run into expensive short-on-money situations
take care of deferred maintenance on your car or house that might turn into an expensive repair
If you have an employer sponsored 401k, increase the contribution amount to get 10k more tax free into it before the end of the year and use the $10k cash in hand for expenses.
Open a roth IRA and contribute the maximum amount you can (which may vary based on your income)
VT, VTI, and SPY are good broad-market funds with good historical growth.
1-4 are all taken care of. I need to learn more about a roth IRA and what an index fund is. I'm okay with letting $10K sit somewhere for 5-10 years, possibly longer like for retirement.
Don't rule out a Roth if you only want to save for 5-10 years. You're allowed to withdraw the principal (initial 10K) at any time for no penalty/cost, so long as it's recorded properly with the IRS when you withdraw it.