<prompt> Human: Like title says, I just received a little over 40,000, tax-free. I want to put it to work, but Im not sure where to start. Its not a ton of money, but I dont really need it so I figure theres something it can be doing for me other than sitting in the bank. My banks recommendation is putting it a money market savings account.  <response>: If only there was a side bar to answer this... ;Pay off high interest debtEmergency fundPay off low interest debt or Save for retirement or invest in taxable account if you will need the money in medium term. If need money in short term then money market or high yield savings account.As for investing... 3 fund portfolio works, vanguard index funds work. Low expense ratios are great. 