<prompt>  Human: Long story short: going to receive about 150k in the next few months. Trying to plan what to do with it. I have a longterm boyfriend. We are in our early thirties, but not married. Im extremely confident in our commitment and consider him my husband for all intents and purposes. We honestly just dont care about getting married. EDIT: I need to stress that we really really are basically married and never ever plan to break up. We are planning for a baby in 2018 and have lived together almost 5 years. This money will come from selling a house I inherited where he contributed far more than I did to bringing the value from 85k to 159k. He helped me take care of my dying uncle who willed me the property. He spent 2 months working on the property doing all the skilled laborelectricplumbingetc. And he stands to inherit a property in the future which is my dream house on a wetlands that were going to retire in. So I really dont mind sharing it with him.Heres where Im at currently:-Just closed on my first home I bought with my own savings but BF will pay half mortgage and do building upgrades we have planned -1000 left in savings after making downpaymentBF and I each contribute 1,500mo to a shared bank account. From there we pay all our our housing bills and his student loan debt and my car payment--he drives an old clunker and works and goes to school full time. Other than that, we keep our finances separate. The figures below are my income expenses only.INCOME: Net 4,500mo EXPENSES: 2,500mo MONTHLY DEBT PAYMENTS: 1,000DEBT: -Credit Cards 17,000 currently all at 0 interest until 2018 -Car Lease: planning to purchase car about 15,000 -New Mortgage 239k - at 203k the PMI will fall offBOYFRIENDS DEBT:-Credit Cards 5,000 unknown interest-Student Loans 47,500 10.25 interestIm think about doing the following with the 150k:Set Aside for Tax: 20,000Credit Cards: 22,000Car Loan: 15,000BF Student Loans: 47,500Remaining 45,5000 -- would it be worthwhile to pay down the mortgage and eliminate PMI its about 160mo? I have dreams of investing in a business for myself and changing my career. What if I used this money for that? Is that stupid?Or would it make more sense to put it in a savings account? How much should I put away? 