<prompt> Human: I got injured while working on an oil rig in Colorado. Both of my legs got crushed and I settled out of court and got a settlement around 1.2 million. Currently I live with my parents Im 23 I cannot work at the moment, and will probably not be able to use my legs ever again. What is the best way to use this money for my future? I basically have 0 expenses as of right now and am just sitting on this money, but feel like I should be doing something with it. Any advice on what to do? My first thought was to go back to school to be able to eventually work again.  <response>: 1.2 million? Put it in a good index fundfund allocation rfinancialindependence has good info on this strategy and live off the interest.If that 1.2m is after tax income you end up with something like 48K annually if you want it to outpace inflation, plus whatever you make off of your new choice of career 