<prompt> Human: Hi rpersonalfinance, I am in my mid-twenties, married, and my wife and I are both in our final year of graduate school. We have about 30k in student loans. Not only dont I know the best way for her to get the money to me, but I am unsure of the tax implications and any other potential drawbacks. Most of the money is in a trust right now, and when she gets it to me, I plan on investing most in a CD ladder maybe some low-risk bonds too for her and giving her an allotment every month. Any advice would be greatly appreciated.  <response>: If she wants a steady stream of income that she cant adjust up or down, she should look into a single premium immediate or single premium deferred annuity, depending on how old she is. Actually transferring the money to you is not a good idea for a lot of reasons, tax implications and ownership issues are the big ones. 