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Not only that, it's just not that much money period. Sure to just be handed an unexpected check for $19k feels like a lot. I'm happy if someone hands me an unexpected $100. Unexpected "free" money will always feel like a lot (I say "free" because OP paid a solid personal price obviously since she was in an accident). But the reality is that $19k just doesn't go that far. They're not living large, OP is just now able to hopefully have a bit of breathing room for bills and have a solid emergency fund. My opinion on NTA wouldn't change if it were $190k, but $19k just is not that much money in the grand scheme of life.

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