<prompt> Human: Hey, everyone!Ive been following rpf for quite a while, and follow the money-handling wiki pretty closely for my personal situation. This sub has been great for me, but I need a little assistance with my brothers situation.What happened: My brother was in a car accident back in 2015. He was a passenger and busted up his armshoulder real good. The insurance companies and his lawyer have been fighting back and forth for all this time and things have finally settled. Point being, at 5:00PM today, he will be receiving a check for 69,289.16.Quick notes:- Car note - 250mo BMW 2009, bought recently- Car insurance - 200mo- YouTube Red - 12mo- Rent - 380mo - No credit card- No job- No other debtMore background on his situation:- He says he wants to go to college, but is a bit wishy-washy in what he wants to study where he wants to go. Given that school is supposed to start up in the next two weeks is a bit concerning. He went from wanting to study culinary arts, to being a nurse, to being a car salesman.- Ive asked him about what some of his big picture thoughts were, and he said how he wants to have a lavish lifestyle because he likes having nice stuff. Ive tried to keep this in check, because I know his personality short-term, inconsistent, SQUIRREL! could easily lead him into burning through this cash.- I hate to say it - Hes a typical teenager. Sleeping until noon, on Snapchat 247, etc.- As his oldest brother, he does trust me. Its a fine line though, because if I come straight out and tell him hes doing something stupid, theres nothing stopping him from going ahead and doing it anyway. Hes legally an adult! I only have so much social capital to spend here.My questions:- What items from the windfall wiki would apply to this situation? Ive been trying to drop notes about the different things, but hes sooo distracted. The Do Not Tell Anyone isnt going to fly, he claims that hes a pretty sharp business man and think he knows how to handle money, but I cant help but disagree as he has yet to demonstrate it.- Weve been speaking on and off with a highly recommended financial advisor, but is this enough money to warrant one? How would we make the most of it?- Looking at the how to handle money, it would seem like he could very quickly and easily burn through the whole flow chart. Without a job, and uncertainty with school, I cant help but see him dropping a bunch of it into a mutual fund and just letting is sit. Would that make sense?- What would be a good amount of money to let him just burn through and get out of his system? Is that even a good idea?- Hes brought up doing business stuff like flipping housescars or being a landlord. He says I have a friend that did it! Its easy! Hes really keen on making the money work for him, but I dont know if thats the best place to start. - Do you all have any other advice, recommendations, suggestions about how I can go about this?I would feel super confident going into a situation like this having the support and knowledge of communities like this. I cant help but think that he could very easily make good choices, or not-so-good choices.Thanks, rpersonalfinance!TL;DR - My 18yo brother has very little financial background and is about to fall into 70k. How best can I support him?  <response>: This is anecdotal but my friends experience with a similar event resulted in years of receiving additional medical bills. Not sure if this was a result of some kind of failing of the legal settlement itself or if its just common for the hospitals to come after you once they know you can actually pay them. Either way I would definitely recommend putting a solid chunk of that into a fund for future medical costs, even just as cushion for any future injuries since it becomes easier to reinjure or could lead to costs associated with physical rehabilitation etc. 