<prompt> Human: My mom is 67, has about 14k in her checking nothing in savings or the financial market, and will be receiving about 80k from the sale of her mothers house after she passed.My mom told me she was going to spend 20-28k on a new car in cash, to which I pleaded that she not do that.She just told me that shell look into doing 0 financing and putting money into the market into an annuity. I dont think she even knows what that really is or how it works not that I do, either.My mother has ZERO clue about money and has always wasted hers as soon as she gets it. Shes old, now, and just retired. Shell be getting about 1000 per month from retirement. Whats your advice for her small windfall of cash?How should my mom handle this money? edit To make it last as long as possible  <response>: Assuming a life expectancy of 85 80 18 yrs 4,444 per year4,444 12 mos 370 mo. Any annuity that wont do better that that probably ist worth considering. 