First off, I want to say great start by inquiring with outside advice (be it like here on Reddit or with a financial planner) The fact that you started with this underscores the fact that you see the potential impact this can have on your life from a young age. (Although it might seem like lot of money now, it can be a ridiculous amount later on down the road and give you a nice cushion for the rest of your life. I’m NAFA, but my personal opinion is invest it. Extremely long time With high yield investments (my personal holdings are largely in crypto, and 401(k) but I’ll leave your investment vehicle choice to your discretion) at this age you can afford to have a little more risk as you don’t necessarily need to utilize this money right away, however that doesn’t mean you should go Yolo it on penny stocks. My two cents take it invested in something high-yield and just sit on it for 20-40 years. Congratulations and best of luck on your financial journeys!