<prompt> Human: Long time lurker would love some useful advice. I read a lot of about what you guys and gals say about what to do when you fall into some cash but this situation hasnt really been touched. Im a college graduate with 0 student loans, or debt, cannot find a real job other than service industry. My grandfather just passed and in his will he is giving my sister and I 10k to do as we please. I would rather have the money work for me as opposed to going on some lavish adventure. Any advice of how to invest the money? My bank account has never seen over 2k so this is rather overwhelming for me. I plan on donating 4k to the V.A hospital where he passed, but other than that I have 0 clue what to do with the rest. Any real advice would be super helpful.Thanks team!  <response>: I would save most of that money for when you need it. At some point, you will have unexpected expenses, job security issues, etc, and that money will provide you with a degree of comfortsecurity. If you have the discipline to not freak out when the stock market tanks, you could invest part of it in an index fund with low fees if you have at least 3 months of expenses in cash.And honestly, unless youve already told someone off-Reddit that you plan to give that money to the VA, Id reconsider. I hate to break it to you, but youre not financially secure if youve never had more than 2K in your bank account. In all likelihood, youll need that money at some point. If your grandfather wanted the VA to have the money instead of you, he would have given it to them. 