<prompt> Human: Hello, my 29F husband 34M and I were just surprise gifted 7,500 each this past Friday from my mom. She did the same for my sister and her husband. There was a legal settlement with regards to my grandparents estate. My first concern was making sure this this was financially responsible on her part because my dad is retired, and shes retiring in a few months. She was sure. My mom just wanted to pass some money along under the directive this type of money would have been helpful for us when we were your age. Im beyond happy that we are able to do this for our children. Now, over the past few years my husband and I have already been working on our finances. And literally LAST week we finished paying off his car loan. Heres out situation:-Zero credit card debt-His medical debt has been paid -Our school debt is paid off-own two cars around 50,000 miles on them. plan to maintain these and make sure we get rid of one before the other so we dont find ourselves with two loans at same time at a future date.-own a house - We love it. big enough to have a family in. Were also comfortably paying more on the principle every month AND doing extra payments on those 3 paycheck months. On track to pay the 30 year mortgage in 18-22. Its fully remodeled, post-bubble burst house so we were lucky to get a good deal on it. -No kids yet, but with full disclosure were trying to get me pregnant.-Household income is between 90,000-95,000-10 into each of our 401ks for years-I have a small roth IRA that I dont know what to do it. He doesnt have one at all -We have 15,000 in emergency savings. So, after paying off the car we were going to really buckle down and put big deposits into our emergency fund. After taxes, we bring home around 60,000. So at 6mos salary - 30,000 was always the check point for that. My mom said adamantly No strings attached. Pay off some bills, invest, go on vacation. Do whatever you want with it. We 100 believe her and my father; good relationship there. So I know that I could totally just blow it but having not really earned this money and understanding the true intent of helping you out with a step up while youre younger I want to be respectful of that. Should we just put the 15,000 into our emergency fund, so that we have hit that 30,000 marker? With our paychecks now, I figure we should figure out this whole Roth IRA thing and set him up with one. Then go on a vacation with the money we saved up for that through our paychecks? Its just difficult to comprehend this opportunity because at this point in my life, weve been working very diligently and are incredibly fortunate to not really have to need this amount of money. So, requesting a little direction here from PF since we realize that this isnt something we can really talk about with friends.Thanks for your helpTL;DR - husband and I are pretty financially sound. Were gifted 7,500 a piece to avoid tax complications so now have 15,000. Put in emergency fund? What should we do with it?  <response>: You guys are well off, have an emergency fund and arent in debt. Honestly use around 5k of this to go on a cruise or something, i understand investing into your future but honestly who had the energy at age 70? 