<prompt> Human: Im both sad and grateful. Not sure what to do. My wife and I both have good jobs and we dont need the money. But we havent bought our first home. In very preliminary conversations, I said we should look into some sort of locked trust to put the money. My wife thought that if possible, it might better be used to help pay for a house which would dramatically improve our savings which we would use to help raise our son. Either way, we dont want to cheat our son out of this money. Were not sure of the terms of inheritance, but what sort of things should we consider?  <response>: I agree with you. Your infant would want a better home to grow up in. Put 20 to 40 into a new home. Put the rest into a trust with a decent yield mutual fund. It will double and repay what you took for the family home. I am not kidding when I say the child wants the new home. I grew up in one and it made a huge impact on our life. 