<prompt> Human: Quick version - I got a full ride to college, in response my rich parents gifted me the money they had saved for my college, all of which was in stock. I never touched it. Part-time jobs Engineering Degree Parents Money, and now I am 23, 1.5 years into the working world with 100,000 in stock that I dont know anything about. No kids, no debt, no desire for a corvette. Now for my question: I now want to start managing this money wisely. Ive been investing continuously, but I feel like I have no idea what Im doing. Ive bought mostly safe, long-term, dividend paying stocks, which have done OK but well below market average. How do I go about learning? Should I be focussing on low-risk, long-term investments? How much should be liquid at any given time? The current breakdown is this:Liquid Cash - 1kMonthly post-tax income - 3500Mutual Fund from my parents - 48kRoth IRA from my parents - 30kStocks I have personally invested in - 14k - GSK, PG, CAGRoth IRA 2 via my work - 7kAssistant: It sounds like your parents know their shit, have you asked them for advice?Human: My dads advice on stock seems dubious to me: all safe, long-term investments and never sell. Assistant: Thats funny, because thats the exact same advice youre gonna get here.Human: It seems like there would always be a good time to sell if its not a good time to buy, must be good to sell right?. Also with 100k, it seems like I definitely have room in the portfolio for some riskier investments  <response>: If you want to take on some more risk, Id encourage you to set aside a portion of the cash first as an emergency fund. 