<prompt> Human: Title  <response>: Answer us these questions: Do you have an emergency fund of any sorts? How many months worth of expenses? Do you have any short-term financial goals? buy a house, buy a car, etc What is the time frame in which you expect to eventually need to withdraw this money? 1yr? 5yrs? 20yrs?Those are all very important before you figure out what to do with a chunk of change. 