<prompt> Human: Hello rperonalfinance!I created a throwaway in case my regular account is ever discovered, this needs to remain a secret.A relative of mine recently passed away. They have a 1,000,000 stock account and I am entitled to, in writing, 30, to be transferred on death. The paperwork is being drawn up now by the stock company and it will take some time to process. I am using this time to plan for the future. I have also taken ownership of their house already on the deed.I am going to use 100k for the following:Pay off my wife and Is student debt 40kPay off our auto loansPay the balance for yearly insurance plans auto, and now home policyCreate a 20k hands-off emergency savings account for medicalauto expensesroof collapse, etcDo something fun with 5k, because YOLOThis leaves me with 200k to invest, which is what I need advice on. My goal: To keep our hands off it entirely and use it as a way to build wealth with the ultimate goal to assist in our kids college plans when the time comes. I do NOT want it to be subject to whims in the stock market. With the new US administration changing trade deals left and right I dont want the money to disappear overnight due to a geopolitical shitshow. Im hoping there is a smart way to put it away where it can grow and we can have some security for our future.What should I do? I appreciate any and all feedback.EDIT: FormattingThe goal of this post is to crowdsource ideas for me to ask a financial advisor about. I know I need one, but I dont have any intelligent things to say to him yet  <response>: Please see the windfall link on the sidebar.If you really believe that you might lose all your money overnight due to geopolitics, forget investing, forget cash. Buy guns ammo and food. 