What to do with $30,000?

I'm not clever enough to invest $30,000 and make any money out of it.

To (legally) avoid taxes, my mother started a fund for me a decade ago. Now up to $30,000.

It's now in my hands. I can withdraw the money at any time, or let it sit and increase. What should I do with it? Down payment on a house in Austin (I first moved to Austin in 1983 and liked it then; today, "tech Austin" is NOTHING like where I'd want to live). Save it for after I retire? Take it and move back to NYC (really, Weehawken, which is where I really want to go back to)?

I'm 53. Were I in my early 30s or early 40s, I'd take back off for NYC in a second. I hate myself for being such a coward now.