<prompt> Human: I had a car accident a few years ago, and I just received a settlement for 70K.I am a 22 year old female with a boyfriend. We just moved to Washington DC and are looking for a place to rent.I have always been poor, all my life. Ive never been to school past high school for anything. The only jobs I have had is working retail clothing chains.I want to go to cosmetology school.I want to make sure I can turn this money into something useful for my future. But I know zero about money.How much do I spend on school? How much do I save or invest? Invest in what?P.S. I tried reading through the Windfalls section, but it really is over my head. I need answers in Explain It Like Im Five language.  <response>: If you and your boyfriend arent crazy serious, id start by not telling him. 