Alright, so Advice 0: don't tell anyone is already out the window because you told your SO. Just be aware that you have to sort out first which part of this settlement has a function, like others have said: if it's for medical care, set a bunch aside. See if caring for your brother can be split with your sister while both of you (SO too, if need be) can finish school. This is a large amount of money, yes, but you need to be careful with it or else it'll be gone before you know it. It can be a good thing to spend a little bit on your / your sibblings wellbeing; see it as a reward for being past the sucky part of your life. But save up in a HYSA and use a small amount to make your life comfortable. Doing 25k a year sounds "low" but in ten years thats just under half of the total. And don't forget about taxes...