<prompt> Human: Just won 100k on a scratch off ticket. Have about 5k in savings, and work for my dad who runs a multimillion dollar pharmaceutical company, currently managing his website. Also selling text books on amazon and eBay for an additional profit on the side. I really dont know if I should take time off or invest. What do you think would be a wise investment?  <response>: Do not tell ANYONE that you won the lottery and do not change your lifestyle in any way.You are 25 years old and have no retirement savings started. 100,000 seems like a lot when you have 5k in savings, but let me tell you, it isnt. If you start spending it frivolously, it will be gone within a couple of months. If you dont believe me, look up lottery bankruptcies.I would advise you to seek out a certified financial planner, who will be able to guide you and, frankly, protect you from yourself!If you dont plan to do that, then this is what I would suggest:1. Assume that you will need to pay federal, state and local taxes. Well call them 35,000. Remaining amount - 65,000.2. Repay your 7,000 debt. Remaining amount - 58,0003. Open up a Roth IRA. You will probably begin to hit the phase out for 2017, so you may need to contribute to your traditional IRA and then convert it to Roth. Put in 5,500 for 2017 and another 5,500 as soon as 2018 hits. Remaining amount: 47,0004. Fully fund your emergency fund with 4-6 months of expenses. As a 25-year-old single person, I assume youre probably around 2,500mo in expenses, so a 6-month emergency fund will be 15,000. You already have 5,000, so that means an extra 10,000 to put into the emergency fund. Remaining amount: 37,0005. If you have no immediate needs repairs on your car that youve been putting off, desire to own a home, etc., then you have options with the remaining 37,000. I would open a taxable brokerage account and deposit 35,000 into a moderately aggressive mutual fund. With the last 2,000, do whatever you want! Go on a shopping spree or take an awesome vacation.To put 100,000 into perspective for you, lets say you want to buy a house. If you want to buy a 250,000 house, youd look to put 20 down and another 5 in closing costs, so youre looking at 62,500 right there. When youre only going to clear 65,000 after taxes, youd basically be done after that single transaction. 