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Put $1000 in the bank. Then split the rest between working on your current sites and creating a couple new ones. The only thing I would suggest doing when creating new sites is to not overwhelm yourself. You want to be able to devote the time and money needed to the current or new sites without overdoing it. If you have too much going on at one time then you will fall behind (learned from personal experience). Unfortunately leaving money sitting in the bank isn't going to earn you any real interest right now since its very low unless you have high xx,xxx or more sitting around.
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