if you have a specific goal/need for the money, high yield savings account, if it is money that isn't emergency fund, isn't to save for a short term purchase, then index funds will do you well.

normally i would say just throw all the funds in one account and call it good. once that spending issue is cleared up and everyone is on the same page, then it can just be a simple all in throw the money in one account and be done but until then i think transparency but discretion.

unless he has a lot in his separate savings account the fact that he thinks spending the whole joint account without warning is a bit concerning financially.

since you have a house & other short term goals I would just put the bonus in a HYSA. you have enough in savings for the short term so if you say the house is a 7-10+ year goal to purchase then there is nothing wrong with a brokerage account to roll the dice that you can turn the bonus money into a bit more

don't touch the roth, that is your future retirement.

live for the next few months on the future salary, that should give you plenty to knock out the CC debt and put a bit in the bank for a cushion when you move jobs

personally I wouldn't change the current funds, i would just change where future funds go.

total stock index fund or the S&P500 at 17 pick one of those two funds, put 50% of what you're willing to invest in a Roth IRA 50% in a taxable brokerage account

personally until you have a lot more money, skip the individual stocks & crypto, down the line if you have a solid financial foundation and want to throw $50-100 out of every $1,000 into a long shot for fun... not a big deal but for now keep it simple and honestly boring

you sound like you're on a good track. I would just avoid the CC until it is paid off, then debate if you want to keep using it and paying it off monthly but if you start using it and can't pay it off, pay it off and be done with it for a few years

keep living on 60K/year

put the extra into retirement, paying off the cars early, the mortgage depending on the interest rate on it (over 5% i'd chip away faster)

you can treat yourselves to a nice anniversary dinner & nicer vacation, but I would really focus on still living frugally so that you can put most of that extra income into future goals: retiring early, being debt free, something towards your child's future, ect...

i'll be curious to see what others say. i would think that if you were to do something that it would be to see how much equipment/supplies you need to order for the company in 2022 to cut down your taxable rate. s-corp might have a different setup though so like i said, curious to see what others say