<prompt> Human: So I have never had a lot of money and recently came into 20k and have no idea what to do with it. A little about me- In the future I would like to have my own businessbut have no idea what it would be and dont have much debt. Im a bartender and have a wife and a 8month old with no college educationAcademic suspension. My wife and child and I all live in my parents basement, so maybe putting that money towards a house? I just like the idea of turing that money into more money.  <response>: Alright buddy, Im really sorry, but 20k isnt a lot of money. Its one years expenses for most people. If invested at a reasonably safe return of 5, thats 1k a YEAR in returns. Its not going to change your life forever. Kill the delusions of grandeur.Whats your budget? How old are you? Retirement savings? Is your current situation straining your relationship with parents? Give us a better picture of your life. 