<prompt> Human: Throwaway account here. Not sure if I should post here or rinvesting. If it doesnt go well here or I am requested to do so, I will take the discussion there.Im not seeing a financial planner as I wont come into possession of the large sums of money until later in life.I am curious as to what others would do and how they would invest their monthly income if in this position.Age: 24Citizenship: USAResidence: Tokyo, JapanJob type: EngineeringSalary: 6,300,000 yen about 60k USDEmergency Fund: 7 monthsInheritance: 6 million USD, as well as part of 2 small corporationsSpecial Retirement Trust: 500,000 USDDebt: 0 no loans or credit card debtCar: None no plan to buy oneRent: 90,000yen 900 for 290sq.ft27sq.mHealth Insurance: 100month. 70 of all medical, no deductibles.IRA: maximum contribution to Japanese Defined Contribution Plan modeled similar to US 401k, company matches me for 115Utilities gas, power, water, phone, internet: 30k-40k yen 300-400My parents are self employed, and my inheritance currently stands at around 6 million. I have 2 siblings and they also stand to receive 6 mill as well 18million total.The special retirement trust I dont understand very well. Its something my parents created for me at some point. The money grows and it is tax deferred and the purpose of it is for my retirement.I cannot invest my money easily in the US market. I cant open investment accounts as I have no proof of a US address I dont have one and I dont have a US bank account. I have an investment account located in Japan, but ALL OF THEM they are scared of the IRS and will not allow me to buy any US-based securities or assets since I am a US citizen.I have no plan to ever move back to the US. Because I have a nice cushion for retirment, I have a higher risk appetite, and aimed at more at taxed growth with a horizon shorter than retirement. Of course bad things can always happen so I do make the maximum contribution to my Japanese IRA and I have an emergency fund I could easily ask my parents in emergencies for money, but my own personal pride wants to avoid that unless life just wants to rape me dry multiple times so I built an emergency fund  <response>: How would you invest if you stand to inherit a large future sum?The same as I would if I didnt have a large inheritance. Since you dont actually have it yet, it doesnt make sense to plan for it. Plus, passive indexing scales very well. 