Hello Jane

In my opinion, based on your situation, I would snuggest the following:

1. Keep your current job.
2. Postpone your travel and buying used car (They are bad expenses, they will eat your money).
3. Put your whole $100,000 into a bank term deposit for 3 months or 6 months (depending on the interest rate).
4. There are good online banks giving best term deposit rates, with govt. guarantee up to $250,000.
5. In the mean time try to qualify yourself to get a better paid job.
6. After 3 or 6 months rollover your entire money for another 3 or 6 months term deposit.

I am not a financial planner. This is based on my personal life experience.

Kind Regards and Best Wishes
Rams

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