At 45, you have roughly 20 years until traditional retirement. That’s not a lot of time to waste, but it’s not a crisis either. A $50,000 inheritance at this stage is genuinely meaningful, and how you deploy it will compound for two decades. This situation comes up constantly. On Reddit’s r/Schwab, a 45-year-old in nearly … I’m 45 and I’ve Barely Invested in the Stock Market. I Recently Inherited $50,000. What Should I Do?