<prompt> Human: Im 31. No kids. No debt. No property. Earning around 65k a year. I inherited the money a while ago. I have more but Im saving that for any unfortunate events. I had more than that but I am not good with money and have gotten to the point where Im living within my means, not blowing the money, and not paycheck to paycheck. I dont want to blow this money and am scared to even have it. It seems like a weird problem to be scared to have money but my family has never been good with money and Im looking for some helpful advice. Retirement, investing, anything. I have a BA but never took many finance courses. Im willing to read up on money management but whenever I start looking at books there are too many to choose one. Any help would be appreciated! Thanks Personal Finance.  <response>: The more research you do about finances the less scared youll become. Theres risk in anything you do but when It comes to money, most people tend to get scared. Go to seminars, take a course on finance... You have the means, you just got to put in your time! : 