<prompt> Human: I recently settled a law suit. After all of the expenses are paid, Im left with 5,000 above and beyond my living expenses. Is that money best put in a savings account, or invested, or a little of both? Ive lived hand to mouth for years, so I dont know anything about this. Whats the best way to make this little bit of surplus work for me? I have an emergency fund of 1,000 at the moment, and my needs are modest.  <response>: How long do you intend to live? Living is a reoccurring expense, so I doubt that a one-time windfall of 5,000 exceeds your living expense. Sounds like emergency savings to me. 