1) Not only am I not a stockbroker, I have zero personal experience with investments, and most of my secondhand experience with investments has consisted of watching people lose their shirts and land in bankruptcy courts because they bought into a bubble and lost everything when it popped. Given that stocks are near all-time highs, if I got a legacy like that one I'd cash it out immediately and put the sum into money market accounts in two different banks, but that's not investment advice -- it's just what I'd do.

2) Nothing you can do will make up for lack of sleep. The best magic you can do is to arrange for your toddler to spend a night at a sleepover with a family member or friend you can trust, and let yourself sleep like a log. Also, make sure you're getting adequate nutrition, and consider scheduling a massage every week or two. Sometimes material plane methods really are what's needed!