<prompt> Human: In case it matters, the settlement was 30k. Im having the meeting with my bank on Monday and I just want to know what to expect. Im only 23 years old and have zero experience with banking other than having a basic checking and savings. Essentially, Im afraid that my ignorance will cause me to be taken advantage of in some way. I want to know what can benefit me and what could I be potential sucked into that wont benefit me. Thank you all in advance. Edit: Thank you all for your help and advice. I just wanted to make this edit so I didnt leave you all hanging. Ive decided that Im going to decline the meeting, read the windfall wiki, and do my own research from now on. Ive only just realized how greedy insurance companies can be and it seems that banks are no better. Im glad that I posted this and I feel like I learned a valuable lesson. Again, thank you all for everything.  <response>: Lots of good advice here saying dont go.IF you do go:- Dont agree to or sign anything- Ask whether they are a fiduciary- Ask how they are paid hourly? fee? commision? percentage?- Ask about management expense ratios MERs 