<prompt> Human: Title is what is says. My grandfather did well in life and put money aside for all of his grandchildren, with the goal of us using it towards college. I went to community college and paid my own way and didnt touch what had been left for me. I graduated with a 2 year, am now 24 and bartend. I make ballpark 1k a week with roughly 800-900 monthly bills. I have no credit because I have worked in the service industry and have always paid cash for everything, and have always feared of doing what to many of my friends did and getting a credit card and maxing it and paying way to much in interest. Now the 35k has basically been freed up so I no longer have limitations on what it can be spent on, however I have no idea how to use this in the best way to benefit me. I have toyed with the idea of buying my first house and using it as a down payment but my zero credit is a issue, as well as my job not on paper at least, showing my current income. So what to do?  <response>: Start with the FAQ - I Have X... What Do I Do With It?! 