At 28 years old, after a failed startup and starting from zero, holding 800k yuan in cash, how to choose among 5 options?

The startup project completely collapsed. At 28, I not only lost all my previous savings but also disbanded the team and deregistered the company. Fortunately, after liquidation, I still have 800k yuan in cash. I own no property or car and am starting from scratch. I am completely lost about the future. I’ve listed several livelihood plans and want to hear everyone’s advice to help me decide which one is more reliable.

Option 1: Franchise two community fresh produce group-buying stores, focusing on convenient delivery around residential areas, relying on stable repeat purchases for long-term business.

Option 2: Work full-time from home doing short-term trading, using professional skills to invest in stocks and futures, relying on investment returns to cover living expenses.

Option 3: Invest all 800k yuan in Bitcoin, then buy a used new energy vehicle, and work full-time as a ride-hailing driver to earn daily expenses.

Option 4: Use 400k yuan to buy index funds, 300k yuan in large bank fixed deposits, and keep 100k yuan as emergency funds. Find a part-time job paying around 4,000 yuan per month, such as administrative or customer service work, so I no longer want to start a business or bear pressure and look at investors’ faces.

Option 5: Invest 500k yuan in a popular friend’s online restaurant stall, acquiring a 30% stake and deeply participating in operations. The remaining 300k yuan in low-risk financial products, relying on store dividends and investment income for steady living.

Experienced people, give me honest advice: which plan has the lowest risk and is most suitable for young people restarting after a startup failure? Are there more reliable life planning ideas? #Gate广场四月发帖挑战