<prompt> Human: This morning I lost my father. I am 16 years old, a junior in highschool, planning on going to college after high school. I dont know what to do, I wish I had more to help give information or key points, Im just completely lost.Im not sure if Im necessarily looking for advice on my mothers situation, I just dont know where to start.My mother is currently unemployed, I have around 2k in savings. He had life insurance for 3 years pay which will give us around 350k. Were planning on setting up a college fund for my sister and I instead of a place to send roses.Thank you.Edit: I do not have a car, but will inherit onehave one to drive that is under my parents name and insurance.I live in Indiana.Assistant: The advice to grieve is good. They say that you should never make decisions while you are not feeling right, and its completely understandable to feel bad at this point. Im very sorry.Once youre past that, you need to start digging into your whole financial situation. Likely your mother will want to be in charge of that, she will probably also be competent at handling her situation. The important thing is to find good help. Talk to her about your financial goals. You want to go to college, and you may have to pay for that yourself now with student loans and your own work. You may need to consider what sorts of jobs she can get as 350k will not last a life time. How old is she? How much debtsavings does she have? How much social security, medicare will she get? Are there any pensions? Does your family own a house? You also need to make sure your mother wants your help. She may not want or need your help. Its important to respect her decisions going forward. She is likely feeling more pressure than you, and you need to show your support and respect her decisions. Its easy to have misunderstandings when youre both stressed.Human: She is 54. He had 200k in his retirement fund, we are 100k away from owning a house that we have been paying on for about 20 years.  <response>: Well it doesnt sound like youre going to be in a terrible situation. That is definitely enough to live on. What you should do is find a good financial adviser. They should be able to help your mom put together a plan. Im sure the advice on here is going to be great, but she should easily be able to live on the money that she has. If she has any lofty goals she might want to find a job.You should figure out how much her monthly expenses are, but right now shes looking at about 550k in total, which is 16,500 a year at 3 interest. So if she spends 30k a year shell make it to about 76 years old before she runs out of money. I didnt take into consideration certain taxes, but either cutting her expenses or getting a part time job will stretch that well into her eighties. 