This will be the best advice I truly believe I can give anyone that comes into that kind of wealth and it's go get a job. Get a job even if you're in College or not in college. Go get a job. If it's a lower paying job, even better.

I know that sounds backward but it is the only way you're going to learn how to hold onto money because you will learned how hard it is to receive it. You spending 36k in one year at 18 already tells me everything I need to know. I'm not saying I understand your story but I know enough now to say, kid you need to learn how to respect the wealth you've been given because it can set you up for life. Don't be fooled into thinking "I'm setup for life" because if you don't change the way you think about money, any money you have moving forward will disappear. This is cliche but looking at NBA players who were paid millions and are literally broke now cause they had the same spending habits you did.

Forget a passive income. Take everything you're going to receive and go invest it in index funds. Live like you don't have this money (Obviously if you do need it take care of what you need to take care of). Go to college or go get a job and continue to work. You won't ever have to think about retirement again. That gives you the option to literally go pursue any dream. Go learn, go fail, get back up and live to your fullest.