<prompt> Human: So, My mom has 20k in savings and zero financial knowledge. I will end up taking care of her in her later years, but I want to make the most of her savings. I have full control. What should I do with the 20k that will have the best growth? with moderate or low risk  <response>: Assuming a lucky, stable 6 return, she will have 35k and be able to withdraw like 100 a month. 