How would I reply to the post?

Considering I was given $20,000 to invest at my own discretion, I would more than likely look for the safest option available. Looking at my age, I would be able to leave this investment for a long time if needed but as a single mother, I would like it to be available to whoever would be taking care of my only child as well. My first option would be a certificate of deposit at my local bank that would be insured by the FDIC. According to their website, FDIC deposit insurance protects bank customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least $250,000 per depositor, per FDIC-insured bank, per ownership category (FDIC, 2023). Certificates of Deposit are not earning as much interest compared to some of the riskier options; however, they are offering some type of return while still ensuring the full amount that is being deposited. I would personally sign up for a short-term certificate of deposit so it would not be tied up for very long in case of an emergency. While investing short-term, I would be able to re-invest the initial $20,000 along with the earned interest each time the certificate of deposit renews. Prior to the tragedy, my family faced two years, I would have been more open to investing at a higher risk. I would have considered crypto since I was on the younger side and my financial needs for the money immediately were not present. Once I have realized the immediate needs and prices for funeral expenses, I would like to have the money available if needed. The potential return of a certificate of deposit is still higher than the interest earned on a standard checking or savings account. My investment horizon is also very different than most people my age based on my circumstances so taking the safe road would be the best route. Looking at the different rates offered at the FDIC-insured banks can help you decide what institution you should take out a certificate of deposit with.