My husband and I did this as an exercise back in September! Though I’ll have to change the answer slightly, since you put some different rules on here (such as having maxed out retirement accounts already), and some things have changed in the past six months. But here’s roughly what we agreed we would do with $100k:
$4,000 in the travel fund (savings account)
$1,000 to shore up the car maintenance fund (savings account - there’s some there already, but an extra $1k can’t hurt!)
$10,000 into the Paid Time Off savings account (we do not get paid time off via work, so we have to self-fund any sick days or vacation days) for spending time with each other and our 5-month-old baby
$5,000 for “businessing” (trying to make one or more business ideas work or invest into business ideas we’re already doing)
$1,500 into the Gifts savings account to cover upcoming birthdays, baby showers, and Christmas
$3,000 to charity (maybe more, $3k was based on the original numbers)
The remainder into a total stock market index fund in a taxable brokerage account. Not worried in the least about a market correction, since we’re playing the long game and not trying to time the market.