<prompt> Human: So I recently was cut a check for 100,000. I never expected this and Im kindve blown away right now. Long story short.. I use to pass a homeless man on my way to work. I started to talk to him. I bought him dinner. It turned into me taking him out to dinner often. I helped him get back on his feet. Turns out his father just passed away and was worth millions. They didnt have a great relationship but he left him all of it. The homeless man then just cut me a check for 100,000 and basically said thanks for being one of the only people that have been nice to me in my life. The check has cleared. For the first time in my life I am now not in debt and actually worth 100,000. Since this has happened, Ive been obsessed with this subreddit. Does anyone have any advice for me? The first thing Im going to tackle is maxing out a Roth IRA. I am really sorry if this is the wrong place to ask for advice. Edit: Thanks for the advice reddit! I plan on paying this forward. Since this post has gained some traction Id like to use the limelight and say... Always help people if you can! Could be a stranger.. it could be a friend. Dont help to get something in return.. just help to help! It feels good.  <response>: Yes, follow the FAQ. Youll be able to start your emergency fund. Fully fund your retirement this year, and then either save for short-term expenses or put it into a mutual fund. 