<prompt> Human: My grandmother recently passed away, leaving me 250,000 give or take a few thousand. I just turned 21, I have no debt and no idea what to do with it. Right now I make approximately 40,000 a year, but that figure fluctuates as I commercial fish for a living and my annual income is a reflection of how many pounds we catch each summer. Im really lost on what steps I should take, where do I start? Im open to any advice!  <response>: First, dont tell anyone.Second, check the windfalls section of the read me on the side bar.Third, financial planner or adviser. This is a life altering sum of money at your age and you will be setup for life if you plan accordingly, or you can be back to living paycheck to paycheck in 24 months. Your choice. 