As much as I like the submarine option, consider this option....
Put it on the mortgage on a revolving line of credit
A) This saves you a shit load of interest & reduces the time in the "death hold"
B) Interest saved is the same as interest earned & no doubt your loan is at a higher rate than bank deposits are currently paying & obviously you pay tax on interest earned.
C) With an LOC anytime you need $$$, you can draw it out that day, any amount upto your "line of credit" for whatever reason, you don't need to go cap n hand to ask the BM
If work isn't looking likely in the medium to long term or you are just wanting a change then study? Could get a student loan. As you have money behind you, you don't need to borrow a huge amount for study, remember its interest free, free money is good money if put to good use.
I am actually in a very similar position myself
To laugh often and much; to win the respect of intelligent people and the affection of children; to earn the appreciation of honest critics and to endure the betrayal of false friends. To appreciate beauty; to find the best in others; to leave the world a bit better whether by a healthy child, a garden patch, or a redeemed social condition; to know that even one life has breathed easier because you have lived. This is to have succeeded
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