<prompt> Human: For Christmas, I received 2 checks each for 10k. I come from a poor background and Im incredibly grateful to have received this. I never thought in my wildest dreams this would ever happen to me. Reading these posts from other people, I always thought this was just something that happened to others, and not me. Im not too sure what to do with this. I read over the sidebar and laid out a plan below. Id like to get your thoughts on my plan.PAYMENTOne check will be for 2017 and another for the first week of 2018, the New Year. Im based in the US and I live in a low cost of living state with no state tax. STATS- 14k in a Vanguard Roth IRA- 6 of my income invested in my companys 401k managed by Betterment up to my employee match. - 2k in a USAA savings account- my salary is 68k USD and my job is very stable and at a large company- good credit 780sEXPENSES- My apartment rent is 1100, and I live downtown, and dont have a car, which is fine because I can walk everywhere.- I owe 3k to a family member for a loan- I owe 5k on an Earnest thats the company name loan 7 APRPLANBased on the sidebar guide, my plan is to:- Pay off 3k to the family member- Pay off 5k on my remaining loan payments were 380month- Put 6500 into savings for emergency fund to bring it to 8500 total- Put 5500 limit into Roth IRA for 2017Im 30 and single. Id like to own a home at some point I like where I live and plan to be here a long time and hate paying rent. There are a number of 3 bed homes in my area I hear a 3 bed would be better long term for resale or starting a family. There are a number of homes in my area for about 180k.QUESTIONShould I change any of my plan above to factor in my desire to buy a home? Am I following the sidebar guide correctly or should I do something different in general?  <response>: Plan sounds good.Add that 380mth that you were paying on the loan to whatever else you were saving, and keep saving it towards a future house down payment and closing costs.Good luck. 