<prompt> Human: 29M, single, income 45k.good credit, 795 last number Ive seen.satisfied renter.about to receive 50,000 insurance settlement.ASSETSonline savings account -- 4200.checking -- 1k-2k fluctuating.401k -- 5700 company matches 40 to the first 6, fully vested. I go 6.jeep -- 3000ish.DEBTSstudent loan -- 10,300 3.5.auto loan -- 3000 2.2 higher than car value as previous auto loan was rolled into this.bed -- 550 0.credit cards x4 -- use for most monthly expenses then are paid in full.I was hit by a car as a pedestrian late last year, and while I was lucky enough to have avoided serious bodily harm, I did suffer a fairly serious concussion which took me the better part of three months to recover from. Thankfully, I have awesome health insurance which covered most of the medical bills from this accident, and anything left over was covered by my under-insured motorist coverage. I have recently settled all claims related to this accident and will be receiving 50,000 in the near future.Right now, the immediate plan it to kill the student loan because I hate it, and its non-dischargeable. Plus Id like to free up that extra cash flow. Also, a Roth IRA will be opened and maxed out for this year at 5500. That leaves me with about 35k liquid from the settlement after those two.Im not in a huge hurry to pay off the auto loan as its low interest at a local hometown credit union. Plus, if I were to upgrade my vehicle it would be extremely easy to just add onto this already existing loan. That said, Ive been taking public transit to work, and I hate driving and dont value it whatsoever so Ill probably keep my current Jeep until it dies actually taking it to a shop for some general maintenance once I receive this settlement. Maybe Ill pay that loan off soon, I dunno yet.Aside from that, the gameplan is to keep this settlement in the online savings account as a hefty emergency fund, and continue shoveling the yearly max contribution at the Roth IRA. All previous payments from the exhausted debts will be converted to an automatic savings plan, which should continue to fund the savings pool IRA funds 140 student loan payment becomes 140 automated savings on the same date.Ive read all the side columns and stickied articles, and generally hang out here to soak up as much information as possible. Sorry for a rather boring and straight-forward situation here. To a certain extent Im sure some of this is just me wanting to write this all down as the entire situation is a bit mind-boggling. This is easily the largest amount of money Ive ever dealt with to date. Thanks in advance for all opinions and insight!  <response>: Dont go to an auto shop and give them endless bounds. Shops make a lot of money on unnecessary repairs, and yes there is such a thing a unnecessary preventative maintenance.I would take it to a shop youve never been to before, tell them that you are thinking about buying the vehicle, and pay the 40 or whatever to have them look at it for 10 minutes to identify any issues. Otherwise, youre going to get a huge shopping list of expensive things that arent going to fail for another 10 years. 