<prompt> Human: I dont post often, so I apologize if this is the wrong place for this post, and for any errors in the jumble I have here... I live in Southern California and I have a BA in Liberal Studies, with a concentration in Language and Literacy. The plan was to become a teacher. Due to complications in life and family issues, I was unable to progress further than my BA. It took me about seven or so years to dig myself out of a hole and things to settle down. Worked odd jobs throughout that time. I have been working hard the past few years with a clean slate.For the past four years I have been juggling three jobs, and my average work week is about 100 hours. Full time nanny for one family, substitute teacher, and a babysitter for various other families...I gross anywhere between 2500-3500 a month.After all of my bills, I am left with anywhere between 500-700 a month that I put away into savings. I have about 4k in savings, and 2k in an IRA I just started this year. My main expenses are rent and health insurance, but I have no debt. Im no spring chicken at 37, and have made peace with the fact that Ill probably work until I die.BF passed away last month suddenly. I unfortunately lost my nanny position main source of income because I needed to travel abroad and be with him. I am currently in Australia, living with his family. They hate the fact that I, in their words, struggle so much for so little. And have very graciously offered 35k for me to finish schooling and hopefully start a career. My issue is, I have kept my head down and working for peanuts for so long, that I really have no idea where to begin when I now have a moment of wiggle room and maybe a few options. To be honest, I just want to use this money in a way where I dont have to run myself ragged with three jobs. I just want to put it towards something sustainable. Any and all help would be greatly appreciated. Im sorry if I left out info that should have been obvious. I am still grieving and my head just isnt in the game. EDIT: Follow up question. What is the best way to receive this money with minimal implications? Theyre Australian, and I am an American.  <response>: With that money, you should be able to become a teacher, particularly since you are already a substitute. Do whatever you need to to get that done and keep living as frugally as possible, once you get a ft position, keep doing what you are doing and with s teaching pension you should be able to retire normally or maybe several years later, but with good habits and work ethic that you seem to have, there isnt a reason why you need to work until you die. 