<prompt> Human: Another thing is I currently live at home with my parents, so the only expenses I have are food, gas, monthly car payments, and whatever else. Also have a bachelors in music lol from a good school, no student loan debt though.My best idea is to invest most of the money? Ive thought about investing in index funds but I dont know much about investing. I wouldnt mind getting into some riskier investments as well. I guess I dont really know how to mix riskyconservative investments, bonds, etc.Another idea is to give some to charity? I kind have a small feeling that I dont really deserve the money, so one idea was to give some back to the community where it occurred.Third idea is to save a decent chunk of it in order to add onto my bank? I already feel like I have a decent rainy day fund, but Id always love to add onto that. At some point in the nearish 1-2 years future, Id like to switch fields, ideally to CS. More savings might help if I had a decent gap in employment? I guess Id like to mix all three approaches but Im not sure what the best ratio is. Thoughts? Obviously Im not spending any money currently as if I already have the settlement money.  <response>: We have some general advice on windfallsIf you want to give to a charity, that is your decision and not something rpersonalfinance can advise. I recommend spending quite a bit of time researching the charity - lots of well-known charities Susan G Komen, Wounded Warriors, to name two spend a huge portion of their income on paying executives and not actually doing good.Most people here would recommend maxing out your tax-advantaged retirement contributions IRA and work-sponsored 401k, usually and then make sure your security fund is secure.From there, downpayments on house, repairs on cars, rainy day fund, etc. As for not deserving the money: lots of people have money they didnt deserve, and even more people have trouble they didnt deserve. Wealth isnt about fairness; dont get caught up in that.Last thing: theres no rush to spend this money. It can sit in your account for a quite a while until you decide what to do with some part of it. 