Well, it certainly is a very poor investment and in my opinion stupid to keep the 800,000 b in the bank.
This is the result from a simple S and P index fund. But, I guess this is why people only have 40 k a month to live on. Up to you.
If you invested $25000 in the S&P 500 at the beginning of 2015, you would have about $87,954.08 at the end of 2025, assuming you reinvested all dividends. This is a return on investment of 251.82%, or 12.84% per year.