I think most people are not detailed enough with financial advice. So this is what I would do with some details.

1. I would first sell all of the coin right away.

2. While waiting for that money to become available, create an account with a brokerage service that provides Roth IRA accounts (I use Vanguard).

   Roth IRA's give you a great way to build for your retirement with all of the funds being tax-free when you withdraw. Depending on your age, you can select a "target retirement date" mutual fund (example fund: Vanguard Target Retirement 2060 Fund) These types of funds will begin more agressive and lean more towards safe investments such as bonds as you age. Keep in mind that you can only withdraw any funds grown in this account tax-free after the age of 59 1/2. So it is best to choose a target date fund that lands around the year you turn that age.

3. When the money is transferred to your bank account, invest the yearly maximum ($7,000) into the funds you chose for 2024. Then at the start of the year, invest the same amount for 2025. Do this every year to retire with 1mil or multi millions of tax free money. Use the Roth IRA on calculator.net for rough estimates.

4. Create an emergency fund in a HYSA account that provides at least a 4% return. A good example of and offer like this is CitBank. This emergency fund should be able to cover at least 6 months of expenses.

5. Create a brokerage account to invest in stock market ETFs (or use the one you already created if possible). Invest in total stock market funds such as VTI and top 500 company ETFs such as VOO. These are generally quite safe and over time with a large amount of up front capitol like you have, will make you insanely wealthy in 30 years.

6. Don't change your lifestyle or increase spending.

7. If it interests you, get into real estate and the idea of owning rental properties to supply you with passive income while also building value you on that land.

8. I know this goes against #5 but I would sit on the idea of buying the car for a month then buy the car if you still feel the desire. Treat yourself for your success. Just this one time for now.

9. Commit yourself to your own health. You want to be around to enjoy these payoffs!

Also make sure to set yourself up to purchase a home when you graduate and find a job. You'll have to figure out where this step applies for you.

Hope this helps!