<prompt> Human: I have inherited 25,000 and am trying to figure out the most effective approach to using the money.Whats the best course of action in my situation, given below circumstances? 72,000 annual income 4.8K after taxes per month No emergency savings 4K in IRA 36.5K student loan 5.1 8.6K student loan 5 18.9K student loan 5.75Thoughts?  <response>: 4.8k takehome per month indicates youre saving nothing for retirement, right? Id start there with investing in a 402k or Roth IRA. After that, put the rest into your loans. 