<prompt> Human: Hi PF! Nice to meet you.So Ive just received 200k in inheritance, having previously gotten 100k that is just sitting there. Im set to receive about 1.25m in 1520 years its invested, so could be even more by then.EDIT: I could receive 250k of that second amount sooner, if my father passes away, god forbid.I know very very little about personal finance. I make about 20kyr and spend about 20kyr. EDIT: I love my job. I love the freelance aspect of it, and it pays well above my means. I could make 66-80kyr if I hustled, but I enjoy the free time to focus on personal projects, being with friends, and traveling locally.My summary:- Freelance work, sometimes I make 200mo, sometimes 8kmo- Pay 425mo in rent plus 80mo utils- Cellphone 100mo- own my very cheap car- no student debt- no CC debt- Just started a Roth IRA last year, have 5500 in it, but its not investedMain question right now:I talked with a CFP EDIT: its a fiduciary, fee-only CFP that a family member recommended highly. His minimum cost is 4500yr to start off with, which he said is too expensive for me. So he offered me 2000yr which is below cost for them, because he saw that I had potential, especially with the bigger windfall down the line. Should I take up his offer?Things I want to accomplish:- Buy a better car still not expensive though EDIT: Im thinking around 2-3K- Travel- Move into a new place even buy a home?- Plan financially!I will say that Im nervous about the stock market. Im not a gambler. Regardless, when I got the first chunk of inheritance the 100k I didnt want it to sit there, so I invested in a conservative fund. It barely went up, then went down, and I ended up with 99k after two years.Im open to all suggestions! I like to know all the details and weigh all the different sides before I make a decision again, not a gambler.Thanks ahead of time for your help!EDIT: formatting  <response>: Please read the information found in the FAQ particularly I Have X ... What Do I Do With It?! You may find Your IRA and You: Basic Information and Your 401k and You: Basic Information worth a read as well. 