<prompt> Human: My dad passed in 2012, due to a lengthy battle with my dads money hungry partner each child is receiving around 15k initially and the rest is being invested into his partners new home; when she dies we get it back once its sold Im assuming. For right now, Im only 19, Ill be getting it either April next year or the year after depending on if the lawyers are going to be lenient about age or not.My real problem here is that I really have no idea what to do with money. Im impulsive and buy crap I dont need but want for maybe 2 weeks then get bored with. Id rather not burn through 15k when it could help put a downpayment on my dream home later in life.It will be in New Zealand dollars but I now live in Australia so if possible more Australian based answers would be amazing!  <response>: New Zealander here. Id like to point out if none of the Aussie answers to come are suitable to you; you can always rely on Kiwisaver if eligible. In my honest opinion, its quite safe to invest with them. 