<prompt> Human: Two years ago I had a family member pass. I inherited their house and sold it, received 160K after expenses. Im generally risk-averse, and therefore after selling the house I only invested about 60K of the total I inherited. I put 75 in a market ETF and 25 in a bond ETF. Ive been fairly satisfied with the returns Ive had on the investment. I live in East Asia and dont want to buy a house here. I have a job where I make OK money but I dont save a huge amount from it. I have no debt. Am I foolish to leave the other 23 of my inheritance sitting in a savings account, letting inflation erode it? What would you do in this situation? Should I be putting some of the money in a retirement-type account rather than a standard investment account? Thanks in advance.  <response>: not nearly as foolish as pissing it away, so good on youthere are plenty of low risk options for your money if you choose 