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It is stupid to die with money in the bank. You don't know enough to plan this out exactly though, so the real goal is minimize the money left, but don't run out before you die.
The first question is what is your situation like.
How is your retirement savings plans? 6 figures at 25 is a very good amount of savings, 6 figures at 60 is a terrible retirement account.
What is your education like - this will buy a good college degree, which tends to pay off very well in the long run for young people. (but only if you pick a good degree and study)
Make sure you have a good amount of emergency savings. 6 months living expenses is the general rule of thumb. You never know when something bad will happen in life - but bad things happen to everyone and savings it a useful way to ride it out.
Once the above is done:
Will a better living situation improve your life more than something else? You could go on a cruise every year with that money instead (I picked something wasteful that some people like, others hate). You could buy a really nice piano with that money. You could do lots of other things. Buying a better flat is one good option, but it isn't right for everyone. There is no universal right answer here, only right for you, so you have to decide (and understand sometimes you will be wrong)