<prompt> Human: I 24M graduated in May of 2012 and started my job in October 2012. I am living at home and have minamal expenses. My take home pay is 550 a week after taxes when I work 40 hours. I also occasionally get OT. Since I started working I have put 10K in a savings account as an emegancy fund, payed off close to 18,000 in student loans, and put 3000 in a Roth IRA no 401k for contract postion. I have no other debts but do use a CC that i pay off each month. This is what I have left with loans:Current loans:Subsidized5,926.693.4.Subsidized2,460.286.0 Unsubsidized7,865.936.8. Here is the odd twist. When my grandfather dies my parents will inherit money and use it to pay off any remaining student loans my siblings and I have and reimburse us for money already paid towards loans. I know that nothing is guaranteed in life but this is a pretty sure thing. Long term goals:I am looking to move out of the state to be with a long-term Gf in the future but Im waiting until I get a job offer. I will also be in the market for a newused car in the not so distant future. My question is how should I move toward with my money? Is it smart to continue putting all extra money to loans? My current plan is to do this until the higher rates are at zero Or should I look to put money in my IRA andor car fund along with the loans?  <response>: Nothing is guaranteed in life. Continue with your planning as if you knew nothing about the potential windfall. 