Personally I’d make a realistic monthly budget and take 1 year worth out. Save everything I made from work that whole year. Use the year to make a plan or make steps towards whatever goals I wanted to work on.

Choose my next step, do I want to further my education, make a career change, travel, become more stable, focus on my health.

I wouldn’t touch the rest of the stocks though.

Don’t worry about upgrading your lifestyle and stick to upgrading yourself is my only advice. The rest can come after you’re good.