Not me, but what advice would you give an 18 yo who just got $100k

It’s not me but my sisters friend just received $100k, they don’t have anyone around them who’s particularly financially literate.
I’m a decade older and have general advice about how if used well this money could set them up down a path of financial independence really easily. Obviously it’s completely their choice but I was telling them about HISA, index funds, how super works and trying to gauge what they wanna do next.
I advised against getting an expensive car or some other expensive choices they were considering.

Generally I’m thinking of recommending putting a large amount into their super and pull it back out when they look to buy a house (using the super saver scheme). They’re gonna think about using stocks but seem unsure.

Would yall have any advice?
All I know is if I had that kinda money at that age I would have blow it, now a decade later I recognise that could literally set you up to retire a decade or two earlier.

Posted Jun 5, 2026, 5:00 AM UTC

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