Finance is a hard problem. There's no easy universal answer to "what should I do with my money" -- the answer is it depends.
Is there a short list of fairly unrelated components that cover almost all of what it depends on?
Off the cuff, I'd guess:
Any other broad category of consideration that I missed, or consolidation/elimination of those I listed?
P/S/A: There are single sentences which can create life-changing amounts of difference.