<prompt> Human: I realize this is close to I have X... what to do..., but the link for this topic is very generic. I have some particular details and specific questions.Heres a few relevant details. Im a graduate student but also work full time, pull in around 75kyear, looking to graduate in 3 years. I currently own two rental properties. I owe 130k on one of them, the mortgage payment is 1100, it rents for 1200. The other one I owe 70k, mortgage payment is 570, it rents for 1150. I have 30k in credit card debt. My in-laws recently inherited some money and said they want us my wife and I to use 30k and either invest it or pay off credit card debt. These are the options Im considering:One option is to use that money as a down payment on another rental property. Im fairly confident we can buy a house for 110k, have a mortgage payment of 700, and rent it out for 1200. The extra money coming in every month would be put in a bank account so my in-laws can use it if they need it. The thinking is once they pass away, we would end up owning the house. So they get some emergency money they can use when they need it, we get some real estate after a few yearsdecades.The other option Im considering is to pay off all our credit card debt and start depositing 500 every month possibly 1000 once I graduate into an account my in-laws can use when they need it. My in-laws again get some emergency money they can use when they need it, we erase our credit card debt.If we go the buy house route, there is at least a tangible asset involved. Paying off debt would be nice, but we would not have the tangible asset. Can you give me your opinion on these two options? Are there things we are not considering that we should be considering? Any informationadviceopinion is welcome.  <response>: Pay off the credit card debt.If you had zero dollars would you go take out an unsecured loan at whatever crazy interest rate your cards have to use as a down payment? That would be dumb. 