<prompt> Human: I created a new profile to remain anonymous. I recently learned I am a beneficiary in my grandmothers will. The total amount may end up being around 100k, but at this point it is unknown. The thing is, Im unsure of who I should share this information as well as the money with. My father has already passed away, which made me, not my mother, the next in line as a beneficiary. I am currently using loans and my work income to pay for my way through college, so this money would be very helpful in minimizing the debt i would have by the time i finish. As background financial info of my family: - My mother does not have a lot of money and could use some financial help fixing her car and possibly other things. - My step father is in the same situation, but would have less need for financial help - My sister who is not a beneficiary is also in college and accumulating a few thousand each year in loan debt. Ultimately, i feel undeserving of the money, and i dont know what to do. I feel like I should help my sister and mother out, but I dont know what is appropriate. I think I would be happy if I could fix any car or house problems my mother has as well as make it so my sister doesnt need to take out school loans. Would it be better in a retirement account that i pretend isnt there? Can you please help me rpersonalfinance ? Thank you in advance for any advice you can give. edit:formatting edit2: I am reading through all of the comments now, but i wanted to thank you all for taking the time to respond. This subreddit is wonderful for getting out most everything on the table for you to consider. I would like to respond more, but I prefer to not give out any more identifying details. Money and families dont mix well in my opinion. It seems that distributing may make the most sense for my conscience, but that may also water down what I see as a great opportunity for us all. Ill have to think about this slme more. Thank you again everyone! I appreciate the help very much.  <response>: Say not a word as it was a gift to you. 