<prompt> Human: Im in the U.S. I have an income of around 2,100 a month, after taxes. I live surprisingly well on that. I rent an apartment I live alone. I have zero debt. I always pay my bills on time. I dont have a car, so no expenses there Im legally blind, so I dont drive. I use my credit cards to pay for everything to build up rewards but I pay them off completely every month. Zero balance. Zero debt. My credit score is in the 820s.I recently received what amounts to 80,000 ish after taxes. Plus what Id been saving, it adds to... lets say 95K. And if I live extra frugally for the next six months it wouldnt be too hard to get it to an even 100K.Is it realistic to use the money to create an income?If I could use it to bring in an extra 500 a month, that would be helpful. An extra 1,000 a month would be amazing.Based on where I live big city it isnt realistic for me to buy a home. As I said, Im legally blind, so living in a vibrant downtown where everything I need is in walking distance is essential to me. Housing is crazy expensive here, HOA fees insane too, not to mention property taxes, etc. Theres no way I could afford that. Im happy renting, to be honest.Id sure like to use the money as a way to generate a bit of income. Needless to say, Im mostly interested in a safecautious approach, though I could maybe be talked into splitting the sum 5050 and being safe with half and less conservative with the other... but Im not a gambler at all.A few closing thoughts: I have no interest in splurging with the money. I havent told anyone about it, and I wont. Im very private about my finances. Im in no rush to do anything other than learn and plan. I seriously dont plan on spending one single dime of it. I want to use it as a way to generate an income. In a perfect world, Id be able to make a bit of money for me and put whatever else back into the sum to build it.I dont even know where to begin to look for this sort of info, so I figured Id start here.Please be gentle, but assume I know nothing, so feel free to teach andor over-explain. Im here to learn.EDIT: I wanted to thank you all for your help. Youve given me a lot to think about. Im glad Im not in a rush. As I research my options, Ive been returning to read through the comments youve posted. Again, thank you. I appreciate the help and insight.  <response>: If you invest that money, 50 in equity index funds and 50 in bond funds, you should be able to draw 3 as income probably forever, and the fund will probably grow more than inflation.So, 3 of 100k is 3,000yr., or 250mth.If you hang on for 10 years and invest the money more aggressively, Say 80 equity index funds, 20 bond funds, it is likely to double to 200k though there is risk that it wont, and you could safely draw 500mth.If you left it invested for 20 years, it is likely to double again, and you would have 400k invested, and, then if you drew 3yr, you could have an income of 1,000mth.Good luck. 