"I have $100k what do I do with it?" is like asking "I have a car what do I do with it?"
If you live in Birmingham, AL and the car is a Tesla and your only method of transportation, the answer will be very different than if you live in San Diego and the car is one of five and it's a half million dollar supercar.
How old are you? How much do you have saved for retirement? How much do you want to earn during retirement? How much do you have in reserve in case you lose your job? In case you have major unexpected medical expenses? Has the money been taxed already or is it in a tax-advantaged account? Do you want it in a tax-advantaged account? What happens to you financially if you lose 10/20/50/100% of it? What happens to you mentally if you lose that percentage?
"Put it in these three funds" is the nest egg equivalent of saying "You drive it, duh" when someone asks what to do with their car.