You have stonks already. I'm not sure what kind of financial products exist or are advisable on the America, but I have some kind of insurance in which I pay some money every month. In case I become disabled, they are obligated to pay me neetbux every month until I die, in case I reach the age of 65 they will have to pay me a pension until I die. I could probably make more profits with stonks, but this is risk-free and gives me peace of mind for certain eventualities. Instead of letting 200k rot in cash, I would invest in this.
You could also buy real estate, precious metals or certain art or collectables like watches, if you're into that and could judge the viability of them as investments.
Another idea would be to invest in yourself. Classes or trainings that could help with your job or wellbeing. Personal trainer, therapist, nutritionist, language classes...