<prompt> Human: I am lucky to come from a wealthy family. My parents set up a fund for me, which I inherited a few years ago put into CDs. My grandparents recently gave me 5,000 the contact information of their money guy. They are very very well-off my grandpa is very sharp great with moneynumbersstocksetc. I havent met their guy yet, but I have a strong feeling I will find him trustworthy. They have used him since long before I was born. For the time being, Ive put the 5,000 in a money market account. My total savings money market CDs, not my checking account, which I use for regular income allow myself to access freely is around 29,000. The CDs money market gain a marginal amount of money every year, I know I could be getting a lot more out of the funds that I have.I was discussing my investment options with my mom step dad theyre also really sharpgreat with money, heres what we came up with: Ill meet with the money guy in person see what I think of him. I am very new to all of this pretty darn clueless. Id like him to be willing to teach me show me what hes doing with the money, rather than just doing his own thing saying dont worry about it; I know what Im doing.If I get a good vibe, Ill go with him. I would like to put 6,000 in a Roth IRA 5,000 in a medium or low-risk IRA. The rest 18,000 Ill keep in CDs money markets. Ill either use that 18,000 for emergencies or maybe go back to school, etc. If I see my money growing a lot in the non-Roth IRA, I may choose to trust the guy with more of my savings.Does anyone savvy have any input? TL;DR: 29,000 in CDs a money market. Plan on putting 5,000 in medium or low-risk IRA, 6,000 in a Roth, keeping the remaining 18,000 in CDs money markets. Expert advice?  <response>: I dont think you understand IRAs. Please read the FAQ. 