<prompt> Human: Title sums it up, my sisters 13 and 4 years old and I just won 132,000 in a lawsuit 44k each. None of us can touch the money until were 21, so Id be the first to receive it. I owe no bills and have no debt. I want to turn this 44k into much, much more. How do I do it ? How do I help turn my sisters money into more as well ?  <response>: Put it into the Vanguard Total Stock Market Index Fund. Tell your sisters to do the same. Contribute 400 a month to it until you turn 60. Boring but effective. Keep it simple my friend. 