Sadly, I'm not asking for myself. I am asking for a friend. She received a small settlement for an injury. She used most to pay off the little debt she has. Already owns a home and a has a car that's paid off. No other bills other than utility and yoga membership. Used some to buy a few "fun" things. She now has just under $10,000 left and would like to know how to save it/make it grow. Right now she has the $10,000 sitting in a very bare bones plain savings account at a bank. Any suggestions for her? I know she has never invested before and is very afraid of the idea.