Put it in a bank that doesn’t invest your money into the wrong stuff. In fact a bank can loan more money than it has, but there’s a ratio set by law. So for example that could effectively be 30k in arbitrary investments.
If you want to spend it, I’d buy a good bicycle or get my home isolated or sum like that. You could get cooking lessons and proper cookware and stay away from processed foods that generate tons of waste. If you have the space you could grow your own vegetables and have chickens, which eat bio waste. Basically reduce what you buy. You could get tools and learn how to fix things if that’s more up your alley. For example I’ve fixed my Sennheiser headphones several times, but it did need some investment in tools. You could also donate it to a repair café.
Put it in a bank that doesn’t invest your money into the wrong stuff. In fact a bank can loan more money than it has, but there’s a ratio set by law. So for example that could effectively be 30k in arbitrary investments.
If you want to spend it, I’d buy a good bicycle or get my home isolated or sum like that. You could get cooking lessons and proper cookware and stay away from processed foods that generate tons of waste. If you have the space you could grow your own vegetables and have chickens, which eat bio waste. Basically reduce what you buy. You could get tools and learn how to fix things if that’s more up your alley. For example I’ve fixed my Sennheiser headphones several times, but it did need some investment in tools. You could also donate it to a repair café.