<prompt> Human: For starters, yes, I read the FAQ although most of it doesnt apply to me--no 401K or debt.I just got word that the work on my uncles living trust is complete and I will be receiving his house and property and around 160K cash. I work full-time in a restaurant obviously no 401K and have a couple thousand in savings, no debt, and very little credit.I understand the importance of an IRA but I will have considerable money left over for further investing. I was told that using ones bank to invest is solid, but Im skeptical. Id like to have more control over my investments but I have no idea where to start. Should I talk to someone about paying for my money to be invested, at least to start?  <response>: Initially No. You should bank the money and talk to someone specific to tax implications if there are any.Since you are just starting. You should go to your local credit union or favorite bank and put the money in CD ladders. NOT for the great return they are terrible, but specific to learning to lock your money up for finite periods of time and actually holding on to cash.Youd be surprised how many people get an influx of cash and it goes right back out. Once you lock up your funds, I bet you have a new found real interest in more sophisticated investment tools and retirement accounts. Then you will be in a better mind frame to hire an investment advisor without blind faith.Go slowly. And make the money work for YOU!! 