<prompt> Human: Stats- 57 yo 200k in her 401k not sure of the rules for this with the divorce 450k inheritance from her aunt according to divorce lawyers, this is all hers 125k from divorce settlement just a guess, still going through the process 40kyear salary No debt Soon to be single hands off ppl So my mom just inherited 450k and I wouldnt mind some input. Ideally, I want this money to be used for her retirement especially as she is in the middle of a divorce and will be mostly self-dependent. My guess is they sell my childhood home and she will need to find housing as well. She was told the check from the inheritance will be hers alone and that it should be deposited in a separate bank from her current Chase to avoid issues during the divorce. They wereare in the middle of the divorce and then her aunt died. She wants to buy a house in the Chicago area, Im thinking no more than 250k. My sister is considering living with her so I think she may use up to 125k on a down payment. This could be a discussion for another thread. Suggestions for short term placement of said monies? MidLong term suggestions to distribute the money for her retirement?  <response>: If still working max roth401k contributions and slowly convert the inheritance into retirement plans... saving a bit on taxes along the way. 