<prompt> Human: I just graduated college and have about 10k in cash after I paid off my last loan wahoo!. 5k of it is in an emergency fund. Only non-liquid asset is an old car worth about 4k. I also just inherited about 70k from a relative who recently passed away. I have no debt and credit score is above 800. I realize 80k is not a lot of money but how do I use it in the most effective way? I wont need it to live off of as my job will cover all my living expenses but I wont have much left for saving maybe 6k a year after taxes. Any advice would be really helpful!  <response>: Read I have X, what should I do with it? in the FAQ on the sidebar. 