Start maxing out both of your 401k 100%. You still can catch up big time if you max out both. I make far more than my wife who makes $70k but we put something like 28% of her income into 401k so she hits the limit each year. That should be step 1. Step 2 is is moving at least 600k or so into some index funds or stocks to make money off it. You have far to much cash. You’ve actually in theory lost 50k alone due to inflation just this past year. Invest it somewhere whether real estate or stocks.

Step 3 should be figuring out a real budget, ideally where do you want to live, will you stay in the home, how much money etc..

Step 1 and 2 should be done asap though.