<prompt> Human: Im stuck in a rut and I may be getting an inheritance soon, and I would like life to not be so hard one day, any advice helps!  <response>: Put half in a savings account. Thats your emergency fund. DO NOT spend it. If you spend it, putting the money back is the first thing you do after you pay your required bills. You cant buy a soda or see a movie until the money is back in place. The other half, put in an IRA and buy the Target Date fund that closest matches the year you turn 70. 