<prompt> Human: Basically I will have 100,000 US after all my debts are paid off. I am finishing my Masters but really do not know where to even start with this kind of money. Just looking to be pointed in the right direction I read the sidebar I have X amount of money but it didnt seem all that specific. I was also wondering if there is anything that would work in my favor due to dual citizenship.  <response>: Cant help with the dual citizenship but one thing I would recommend is to use 5 of that money for something fun. Life is short so try to use it for an experience that you can look back at in your old age.That being said, before I try to offer any other advice, what are your goals? Do you want to retire early? Start a business? You already mentioned paying off all your debt which is a great start because it increases your flexibility.I think the standard stuff here is good because unfortunately, 100K is not a lot of money. It is still significant and as you mentioned, youve never had to deal with this kind of money before. So in terms of concrete things to do, here are my suggestions, take it for what it is, free advice over the Internet:1. 5 fun experience - life is short and you should enjoy it responsibly2. 6 mo emergency fund. How much are your basic monthly expenses rent, food, utilities etc. Take that and multiply by 6. Set that amount aside for emergencies.3. SafeInvest for the future. Do you want to do the real estate thing? Go ahead. Not comfortable with that, then invest in stocks and bonds or start a business if you can. You can spend a lot of time micro-managing, but the key here is to keep it simple and pick something. Whichever one you pick, then do a lot of research and then go with it. Read up on real estate investing to see what kind of properties make sense and then try to do that. Otherwise go for index funds of your choice via a Vanguard or Fidelity or Scwab or what have you.Dont stress too much now, its just money. A tool that you can use to better your future. Dont try to make it more than what it is and dont fall into the trap of micro-managing...keep the big picture in mind.tl;dr 5 fun experience, fund a 6 month emergency fund, save and invest the rest in real estate, stocksbonds, or start a business 