<prompt> Human: Hi Everybody,Im in my first year of work freelance after Uni and earning good money around 36,000. I already feel like I have way more money than I need at this point in my life and somebody I didnt even know has just left me 130,000. I have gone from scrimping in bar jobs and living a dirtbag student lifestyle to having quite a lot of responsibility in my job and more money than I know how to spend. I know I sound very naive and you probably think im a bloody idiot but my gut reaction is that I just dont want it and would rather try to earn for myself. Im well aware that although I feel like this now, ill probably feel differently when I have a family to support. Therefore I want to do something easy that I can just leave it in a separate account and forget about it for a few years or until I decide what I want to do with it. I also have been toying with the idea of using it for ethical investments.Any ideas would be really appreciated!  <response>: It depends how much risk you want to take.You could put it in a savings account, or CDs, or bonds.You could invest in the stock market, im not sure how inesting works in the UK, but id recommend an sp 500 fund with a low expense ratio.You should also keep some in an emergency fund. 5k -10k. 