Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

What options do I have at 26 years old, with 1.2 million USD?
If you were the friend of my daughter or some other "trusted" relationship, I would tell you to head on over to Bogleheads.org, follow their advice and do research there.  I would advise you to aim for about a 60/40 allocation.  They would advise you to make a very simple, do it yourself portfolio that could last a lifetime.  No need for financial planners or other vultures.    The other side of this curtailing your spending.  Although the amount seems like a bunch, you probably need to keep your spending under 41K per year out of this money.  If you have additional income such as from a job or social security payments then that could be on top of the 41k and never forget taxes.  To help manage that, you may want to consult a CPA, but only for tax advice, not investment advice.   Certainly you should make the credit card debt disappear.  You may want to reevaluate your current location if the costs are too high compared to your income. Good luck to you and sorry about the wreck.