Student loans are about $67k at 3.85% and $7k at 4.25%. Student loan interest is not tax deductible. I've been paying around $25k/yr on these until recently when I've been building up some cash.
I'll need a large amount of cash on fairly short notice for sale of a property I'm not able to use, I'll eat whatever the loss ends up being to be done with the hassle and ongoing cost.
I don't have much experience investing, just into a Vanguard fund via my 401k and I did a few individual stocks through Etrade several years ago. When it makes sense to do some after tax investing for real I'll likely just do VTSAX, I'm not a gambler.
I opened a savings account with Ally and initially funded with $500, just to see how it works and how quickly and easily I can transfer money in and out. Looks like it's easy to transfer money out and have it in my checking account inside of a week. Good enough for 1% so I'll likely park about $30k there. 2% with some of the options frugaliknowit suggested would be nice but those banks are not local and don't have the reputation Ally does so I am hesitant to use them for anything I may need relatively quick access to.