<prompt> Human: I am about to graduate into a good job market engineering, and I have no student loans or debt to pay off. I have also been putting the max amount into a roth IRA every year since I was 18, but I know absolutely nothing else about investing. My grandma died and left me 50K... is just throwing it into a savings account the best option?  <response>: What if anything do you want to do with the money? You horizion of when you need or want to spend the money is the primary factor in determining what the best option for the money is. 