Struggling with decision- pay taxes and invest or Muni Bonds

[Foodeefish]

If you had a windfall of $31K in the next three weeks and cannot take advantage of any 401K plans, IRAs, or Roths due to high income, where would you invest the $31K after the government takes their 33%?

Owe nothing to no one including the mortgage being paid off. Retirement hopefully 5 years away.