22yo seeking advice on prudent investment for windfall

22yo seeking advice on prudent investment for windfall As a result of a car accident two years ago, I received a large settlement (around $400k total). I opted to receive $250k up front, plus a $600/mo lifetime annuity in lieu of the rest. Since then, I have acted as if the money does not exist. The lump sum has sat in a CD which earned 5.25% interest the first year, 5.12% the next. My living expens...

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