For the first 6 months do this: https://www.terrysavage.com/t-bills-beat-cds/
That will put the money away safely, earning about 5% for 6 months.
She will need to first deposit the windfall in her checking or money market account, which you will link to the Treasury Bill account per the above article.
Then, please write back. She needs to make a plan. First, pay down any and all credit card debt –and close most card accounts so she won’t be tempted again. Kee3p the oldest card, which helps her credit score.
Is she working? If so she can open an IRA. But also she should sign up for the company retirement plan, if offered.
I’ll tell you what — Once she buys the treasury bills write back to me. If she gets that far, I’ll mail her a copy of my book –The Savage Truth on Money– and it will give her all the basics to get started!