<prompt> Human: Hi everyone - new user here, looking for some sound advice. Ill try and keep this short. Im unfortunately getting divorced, and I am looking for some advice on what to do in the transition. General situational information: I just finished graduate school with 100k 6.55 interest accruing in debt. I started my own business no business debt, which earns about 4.5k per month before taxes and expenses. Business expenses are about 1k per month. I will have to be paying for my own health insurance etc., in about a month locally, probably 300.00month. I have no retirement or investment funds Im in my mid 30s. I will be acquiring 69k in liquid cash, as my share of the divorce splitting assets. I have no other outstanding debt other than school loans all loans are accruing interest. Options?: 1 Should i pay 49k into my student loans, 10k into unmanaged sp 500 index fund, and 10k for emergency cash. 2 Put it all into investments and retirement. 3 Put 59k into the debt. 4 Some other optioncombo?Thank you for your reddit-wisdom!  <response>: With a 6.55 interest on your debt, you should not be investing anything. You are highly unlikely to get better than 6.55 back which is your effective return on investing in your debt.Assuming you already have an emergency fund, it would be best for you to just put it all towards your debt. 