Get a cheap and small apartment. Get a job. And honestly just sit on the savings until you have a routine, and a life for yourself where you are earning also. Think of it like a safety net and a "bonus", not a lottery ticket. There's nothing you could do with that money to retire on or anything. It's a lot, but it's not that much these days. Even if someone gave you some smart investment opportunity it could just as easily end up with you having half that money, or none of the money, as it would gaining profit. Maybe use the money for education, or invest it in a secure low-risk fund, something like that. But the key is to get a place to stay, get off the streets, and get that shit in a fund where it isn't liquid. At least most of it. Get a job, get your own life together, and just save that money. Sure, maybe spend a LITTLE of it on yourself. Get yourself a nice place and maybe buy a TV and a laptop or something. But put the rest away.