<prompt> Human: I am 23 years old and one of 7 beneficiaries of my grandmother estate of which I am inheriting 85k. I am rolling it over from American Funds to a Money Market account with Chase and choosing to withdraw the minimum required each year to avoid fines. I guess once that is done I will reinvest it.Ive never handled this much money before. I think Im doing the right thing but Id like your opinion. Know any tricks for dealing with inherited IRAs that I dont know about? Advice on how or where I should invest this?Much appreciated.  <response>: I got a bottle opener when my grandmother died. A few times a week, that thing pays the bottle cap dividend. 