>Just keep stacking it in a savings account and collect the interest. If you wanted to take some risk you could also invest some of it in index funds. A friend

>Just keep stacking it in a savings account and collect the interest. If you wanted to take some risk you could also invest some of it in index funds. A friend of mine is addressing a similar situation right now. After her mother passed away (nearly 20 years ago) and left no will, her primary bank account was still active and the Social Security Administration[0] kept sending her checks every month. She was notified a few weeks ago of the existence of this account (which now has several hundred thousand dollars in it). Since Social Security benefits (except in specific circumstances[1]) are not collectible by surviving relatives, the moneys paid into that account since her mother's death are not hers (she and her siblings are the only surviving next-of-kin). Rather those funds are the property of the US Government. In such a circumstance, the funds deposited, as well as any interest on those funds belong to the government. Transferring those funds or spending any of the interest is a crime. As such, if you find yourself in a similar situation, I'd think twice before doing something like that. [0] https://www.ssa.gov/ https://www.ssa.gov/ [1] https://www.cnbc.com/2021/08/16/heres-what-happens-to-social-security-payments-when-you-die.html https://www.cnbc.com/2021/08/16/heres-what-happens-to-social...