<prompt> Human: Im posting this from a throwaway because I dont really want to discuss these details from my main reddit account.Heres my situation: I was part of a startup, and for various reasons am no longer a part of it. I sold a portion for roughly 1MM and I still have shares in the company but lets ignore those for now.Im 27 years old and want to make sure that I dont blow this cash. Looking at interest rates right now its a pretty shitty time to just put it in savings. Coming from a lower-middle class background, I dont really know too much about investing.Im single, living in a very cheap place, and spend about 50k a year. Im not ready to settle down yet, so I dont want to buy a house and then sell it again a couple years later when I decide I want to move to a new place.Here are my goals: Start a new company Ive done this before, so Im confident I can do what I want to do on 100k Keep my money safe and start planning for the long-term marriage, kids, buy a house, etcWhat do you all think? Lottery tickets?  <response>: Talk to a fee-only financial advisor. You can find a list at With that much money you shouldnt play fast and loose. Starting a new business is a great idea if its what you love, but this is really all about what your personal priorities are. You say you dont want to buy a place and settle down, but maybe you at least want to stash 40-50k away for a down payment when and if that time comes, or 20k for a wedding. A financial advisor can help you understand your personal financial priorities and allocate your money to maximize returns while minimizing risk. 