<prompt> Human: Hi personal finance, Im 23 years old and was recently given ownership of a UTMA account that my grandfather had in my name. This account currently has 16.6k all in Walmart WMT stock. I retitled this account as an individual brokerage account and am looking to either sell all shares and diversify those funds using one of fidelitys other investment products, or sell all shares and use that money to pay off my student loan that is currently sitting at 17.7k. Either way Im also concerned about how much Ill be paying in capital gains tax with this decision. That loan is made up of the following: Direct Unsubsidized Stafford 4,945.94 6.550 Direct Unsubsidized Stafford 5,678.72 6.550 Direct Subsidized Stafford 4,510.10 3.610 Direct Unsubsidized Stafford 2,557.81 3.610Other factors to take into account:Salary: 85k in NYCEmergency Fund: 3 months covered 401k: 4k - Contributing 5 Employer matches 4Roth IRA: 2.7k - Fidelity FFNOXMy dad wants me to leave the fidelity account alone and just continue letting the dividends reinvestment however based on the wikis and advice here I think it would be best to do otherwise. Id greatly appreciate input on which route would be best here or if there are alternative routes I should also consider. Thanks!  <response>: I agree with you about diversifying the account, yet take my advice with a grain of salt as I am a new regular to the PF sub.If I were you, Id start by paying off the two high interest student loans you have. Total, that should come out to 10.5k, leaving you with about 6k left over. Id leave the other two loans alone as they have a much more manageable interest rate, and the principle amount is much lower as well. Try to pay those off early if you can, but I wouldnt use this money on them.With the additional 6k, Id probably throw it into the emergency fund. 3 month coverage is nice, but you do live in NYC, which has a much higher COL than just about anywhere. At 85kyear, a major expense could completely take your Emergency Fund away, and leave you hanging high and dry for some time until you can rebuild that fund up. Throw some of the money in there to get yourself in the 6-9 month coverage range. Anything else you should chuck into your 401kp.s. You should think about increasing your 401k contributions, unless your employer wont allow you to contribute more than 5. Most recommend contributing at minimum 10, and you might want to think about going even higher to 15. 