<prompt> Human: Longtime lurker here and decided to post for the first time with my new account after the event that recently happened in my life. So I live in Germany Munich and go to university mechanical engineering here. I live in a community flat with my own rented room but renting costs are pretty high here and can go up to 700 for A SINGLE ROOM! My parents divorced long time ago and my father moved to the US and found a new wife while I stayed here in Germany with my mother and a new step-father. Five years ago while I was still in highschool my american father gave my mother 70k which he owed my mother but she in return refused the money and gave it to me. the 70k were all in stocks so I tried to learn as much about stocks, markets etc. at that age and managed to turn the 70k into 90k today. But three years ago when I just started university my father suddenly deceased lung cancer and his wife which I have acknowledged as my step-mother who seems to be very wealthy Ive only known her for 2 years regularly wires me money since the 90k are all in stocks. I recently have met her for the first time and she told me that there is an inheritance of 150k waiting for me in the US while I am also the new owner of a flat in China of about 130k value. Me and my family are all Chinese but everyone immigrated to USGermany a long time ago. Then my step-father recently urged me to buy a flat here in Munich to avoid the renting costs and sell it again when I dont need it anymore. But he insists that I buy the flat with HIS money since the stock markets in China just crashed and he needs a new place to invest his money.I have now found a new flat worth 235k here in Munich and I will probably sign the contract tomorrow. The payment will most likely come from my step-father and a little of my own money since he cannot legally transfer that much money from China in one time. But that still leaves me with the money from the US which I dont know where to put it. I am scared of putting everything into stocks. Well in past I did make money from stocks but I know everything can go south, too and once it does it can hurt badly especially with this much money.tl;dr: Soon I will be the owner of a 235k flat in Germany, a 130k flat in China and 200k ready to be usedinvested. This much money is way too much for a person in my age and I feel very uncomfortable and slightly scared. All of my realtives refuse to manageaccept the money so I have to deal with it on my own. Any ideas?Edit: I will definitely transfer the entire US account to my german bank so that I have direct access to it.  <response>: Take a deep breath. You are very lucky, not cursed. Youve also been responsible and have made a profit on your earlier investment instead of going nuts like some young students might be tempted to do. :Continue to be responsible and spread your US investments around a bit if you dont want everything in the market. Someone will have better specific investment advice, Im sure. 