<prompt> Human: I am a junior in college with no debt or income, my sister and I received windfall totaling around 800k and have no knowledge in investment and dont have a whole lot of ideas on what to do with it. My goal is to grow it and a friend suggested going to Charles Schwab to see how they could help me but I dont really know what its all about. Thanks for any advice  <response>: 800k is a ton of money and you being young, means you should get some professional help.If your goal is to grow it; Id focus on just doing the following:1 Maxing your Roth at 5,500year you need to show earned income for this2 Putting money into index fundsmutual funds to start growing the money for 5-10 years if you decide to start a family3 You mentioned no debt, which is awesome; focus on keeping your lifestyle costs in check and dont tell anyone about this money and dont go blow it on a Lamborghini or something.4 Down the line, you can always get into real estate if you want to, or start a business and etc. 