> I can’t afford to have most of 40k sitting in limbo for a while while Tesla figures something out. Can you?
The real answer to this question is: nobody can afford $40k in limbo.
The 30-day US Treasury is at 2.44% this week. This means you get $81 / month MINIMUM if you just leave that in US Treasury Bonds. That's the lowest-risk Treasury available, you make more money with any other investment on the market.