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How should I manage money like this?

You must have your reasons for withdrawing from the stock market. I suggest you invest in some products with less risk.

First of all, the interest rate on deposits is very low. When the country repeatedly cuts interest rates and the CPI continues to rise, deposits are not cost-effective.

Your life is basically stable now, and the pressure is not too great. After retaining a certain amount of life reserve funds, the rest should be invested in index funds or high-interest bonds. If you don't want to worry, you can also go to the bank and ask if there are financial products that are about one year old. Don't pursue products that claim too high returns. Those are very risky and may not even protect the principal. Banks launch some financial products every month, with annual returns of around 3% to 5%. The general starting point is above 50,000 yuan.