<prompt> Human: Thanks for the help in advance. My grandmother passed away a few months ago and i just found out she left me 20,000 dollars cash. i grew up pretty poor and have very little education on personal finance and want to make the correct decision on investing or maybe setting up an IRA or some type of high yield savings account?? I currently make 20k a year and i do not struggle to pay my bills with hardly any savings. the only debt i have is my car loan of 10,000 over the next 4 years.  <response>: Have you read this sidebar link: I have X. What do I do with it? 