<prompt> Human: When I was born, I inherited a lot of money, apparently. This was placed in a trust and I wasnt ever really told about it until I got to college, when I received no financial aid and was advised by parents that tuition was taken care of.If you hate me for this, rest assured I have an appropriate amount of self-loathing going on.Im 23, I have a solid job now 60-70kyr pays the bills and rent and lets me save a fair amount for retirement and emergencies. I have no debt. I havent touched any of my money since college, and there is still about four hundred thousand dollars left. I dont live beyond my apparent means, and nobody really knows about the money, which I like.The money is invested in a bunch of conservative mutual funds right now, about half is tied up in trusts, but eventually with time it all just becomes mine to do whatever with. I dont quite feel right about having it, but Im not really willing to just throw it away either.It would be nice if I could leverage this money to do some good without losing it, but to be honest Im not really sure how to do that.Any interesting and serious suggestions are appreciated.  <response>: Do you enjoy your solid job? Good. Keep working there.In the money in mutual funds that are low-cost, both in terms of costs and foreseeable tax burdens? Good. Keep it there.Dont worry about hate, and try not to have feelings of self-loathing, whether real or feigned. You received a generous gift which can provide you with enormous financial security. In 40 years at 5, with a yearly contribution of five thousand, youll have 3.5 million. Id say thats worth letting compound interest work for you. At 7 it would be more than 7 million. So keep your head down and let it grow. 