Not too many people on this forum are going to give you advice without putting their own priorities first.  What I mean by this, is that this forum is full of parasitic scumbags, many of whom would love to encourage you to make the wrong decision for their own benefit.  In fact, you've probably already received PMs from plenty of them offering to scam you in one way or another.  Asking for any kind of financial advice here is asking for trouble.

Judging by the precise number of $41k, I'm guessing you're probably stretching to be able to free up that amount to "invest".  If that's the case, don't invest that much.