<prompt> Human: My wife and I are in our 20s and are inheriting 2 million before taxes. After much deliberation we have decided to pay off our house and start college funds for our 3 young kids. We will invest the rest for our retirement. I grew up in a lowlower middle class that taught me to be generous. Without a mortgage payment, we can afford to be much more generous. Is there anyway to go about this without giving away the fact we inherited so much money? The largest one-time gift we are considering is 2 10000 college funds for our nieces in grade school. We want to help our nieces go to college but we dont want to change our relationship with my sibling. Any advice?  <response>: I would invest it and pay off the kids college after they graduate. 