I live in Germany. If my father would want to give me a large sum of money - lets say, 10000€ - what would be the safest, most unbureaucratic way to do this? Im an apprentice and i still receive child allowance (i dont know how familiar people outside of Germany are with this) and i have no debts.

What i am afraid of:

• Missing out on the best way to store such an amount of money for a large time

• Losing money to bureaucracy (German authorities)

• Losing money on the transacion due to some taxes (I have no idea about this)

Another thing im afraid of is that my girlfriend, with who im living with and will be living for a long time, has a mother who has a lot of debt. Also, my ideal future scenario would be to use this money to finance a flat in another town, so that someday i can own said flat myself instead of living on rent forever, but i know that 10000€ would not be enough for that - maybe theres something where you can start small?

Sorry if the text body goes a little out of scope, im just a little anxious about all of this, and i wouldnt want to start anything before at least getting some feedback here. Thanks in advance!