<prompt> Human: A little bit of a backstory on me. I am a single 45 year old man living in a rent controlled Miami apartment for 800 a month. I have worked in telemarketing for several years and earn 30k annually. I have very mediocre credit low to mid 600s but I feel like I could raise it significantly with a few more good lines of credit.I was recently part of class action law suit that netted me damages in the amount of 150,000. Federal and state taxes took around 47,000 out of the gate and now I am left with a liquid cash amount just north of 103,000. This is a life changing amount of money for me. Excuse my naïveté, but Ive never been in control of this kind of money and am baffled at how I should spend it. For the last 7 years Ive been driving a 93 Toyota Corolla that turns off at red lights every so often, and now I can afford basically any car I would like.But this isnt the direction I want to head in. I want to make sure this lasts me well into retirement. So I figure Id reach out to my friends at Reddit for advice.Should I invest in real estate? Small businesses? Stock market?Should I save in CDs, bonds, savings accounts? What about education? Am I too old to go back to school and learn something that I can change careers with?Help!  <response>: Before you do anything else, go buy a safe used car 10k should be enough.Now that you can safely get around without potentially causing an accident every block, do you have any debts?What do you like to do?Do you want to relocate?Not trying to be rude but were you a good student? Going back to school as a nontraditional student takes a lot more discipline. 