I don't think I could ever pull it all together myself, but here are some thoughts on what one would do with $100K.
First, if I had any debt, I would put the money toward that. It seems the US is headed toward recession and the likelihood of lost jobs and poor wages is increasing. Not having debt makes getting by on whatever money you have a lot easier. If you're paying interest on anything than saving large sums hurts more than it helps (the exception might be student loans which often have VERY low interest rates). Certainly, if I owed money on my home, I would pay down/off my mortgage so that I would not be in danger of losing my home in the event of poor US economic conditions.
If you're worried about having money for retirement (a pretty foreign concept in my family, but if you don't have lots of family to support you in old age, this would be a valid concern) then you could take the money and convert it to something more stable. For example, the US dollar is weakening, but there are other currencies (Swiss for example) that are holding steady. It seems rather exotic to me, but converting dollars into another currency might better enable you to retain the value of what you have today for a longer period of time. Dollars could also be converted into precious metals which have been used as a means of exchange for a lot longer than government currencies have been around. The catch here is that there's always the possibility of a government siezure of gold, silver, and the like.
Another idea is to spend the money on useful things. Survivalists often say you should stock up on the 4 G's: ground, grains, gold, and guns. Obviously, if you lived in an apartment and couldn't afford groceries, there wouldn't be much you could do, but with some land and a weapon to hunt with, you might just be able to grow or kill something. So, a large sum of money might best be spent now while things are "normal" and turned into goods that are nice to have now and essential to have if things take a big turn for the worse.
The US government wants everyone to spend, spend, spend right now to stimulate the economy. So, saving isn't as profitable as it once was. Interest rates have just been cut again and the stock market isn't looking too great lately. So, dropping $100K into a savings account isn't even very appealing to those who aren't worried about Great Depressions or World Wars.