<prompt> Human: Hello,I give my mom about 450month so she can do whatever she wants with the money. My mom, being frugal, just puts it I her savings account. Thats been growing slowly and has hit 18K. I want this money to have its maximum potential to grow in the next 10-15 years. Any tips? edit: She has no retirement account, only the savings account. I want to help her with retirement so thats where I need advice on is where to put the 450month.  <response>: Why are you giving her money she does not need?My mom, being frugal, just puts it I her savings account. I am not sure its frugal to accept significant financial gifts you do not need on an ongoing basis only to put that money to no use. That does not seem frugal at all.I would look at why you are giving her the money, and see if there is a better way to achieve that end. The 450 seems to be wasted and achieving very little. 