<prompt> Human: My father passed away last week and I learned that his life insurance will pay me and my brothers 100,000 each. Im 38, married, with one kid. I have no outstanding debts other than my car and house, which are both well within my budget to continue paying on. I already have a retirement plan through my job plus a Roth IRA for both my wife and myself. I also have a college fund set up for my daughter. Other than putting the maximum per year in those retirement and college accounts, what the hell should I do with this money???  <response>: Be prepared to possibly just put it into a high interest savings account for a while. My dad passed away very unexpectedly last year and frankly, getting and depositing the life insurance check was very disconcerting in a way that inheriting other things my dad had owned was not. It was unsettling to get a payout for the death of someone I loved. Taking the check to the bank was hard. I didnt end up doing anything with the money for months, and thats ok to take your time with figuring it out! My condolences on your loss. 