<prompt> Human: Hello. My name is Nick and this is my first time posting at all on reddit. I could really use some financial advice about how to use a large some of money. Long story short, my father died about 7 years ago and I turned the age to gain the money from his life insurance. I was written two checks and right now I have about 235,000 in a Chase savings account. Its currently gaining about 11.00 a month in interestspretty bad in my opinion and this money is not taxed. I honestly have no idea what to do with this money. I dont intend to spend it for at least 4 years so it is just sitting there. Any advice would be appreciated.Edited: As for my living situation, I live with my mom and she pays for most of my expenses. I also go to college but I have scholarships and financial aid that covers all of it since my mom doesnt make thet much money. To be honest, I have no expenses except for the occasional nessessities such as food. Also, Im studying for an Applied math major and most likey going to Graduate school but as of September im only a sophmore in college. I do not work so I have no income.  <response>: The most immediate thing you should do is get all your money out of that crappy savings account and into an online savings account at somewhere with a 1 rate like Ally.com or GSBank.com. Instead of 11 a month, your money will get a little under 200 a month. 