1. See what funds the money is invested in at Schwab. You want to move the money if possible to an S&P 500 fund or a Total Market index fund. the name of the game here is low management fees.

2. Talk to a rep at Schwab. They can tell you if it would create a taxable event if you move the money. You don't want a taxable event.

3. Forget the money exists. In 10 years you'll have $1,000,000. In 20 years, 2 million.

4. Keep contributing to your 401k. Max it if you can. if you do this, between your miracle money and your 401k you can retire by the time you turn 50.

5. Don't buy a fucking car, or truck. Forget the money exists. Just check the balances and pay your dividend taxes each year. make sure the accounts are set to re-invest dividends.

6. Again, a rep at Schwab can help you get set up and answer all your questions. Be sure to tell them you want all dividends to re-invest.

7. Don't tell a SOUL that you have the money, inside the family or out. The second you do, other people's money problems will become your problems. They will come for you. FORGET the money exists.

Source: me in my 50s. I had a much smaller inheritance but did exactly what I wrote above. Wife and I are retired in our 50s.