<prompt> Human: Throwaway for obvious reasons. In the last few weeks, I went through something we all will have to go through one day. My mother passed away unexpectedly at the age of fifty. I am only twenty-three years old and six months out of college. I have a good job, making 63k a year. I have about 48k left in my student loans. I dont have a car payment. credit card debt, or even a rent payment right now, since I was living at home with my mom and will still be able to live in the home before it has to be sold in roughly six months.I am receiving roughly 150k in life insurance. My mom was smart and well prepared in case something like this ever happened. I dont want to do anything stupid with this money because thats not what my mom would have wanted. My original plan was to completely payoff my student loans and throw the remaining 100k in a vanguard sp 500 fund. My personal goal for the money is that it grows for the next seven years, and then when I want to buy a home, I would like to use a portion of it for a down payment 30. Ive read the FAQ. I dont have a 401k at my work, but Ive already maxed out my Roth IRA for the year. Only debt I have is the 48k student loan debt. I have a 15k nest egg in a high yield savings account. Any criticisms of my current plan or any other advicerecommendations? I dont know the best way to handle this and I am still very torn up about losing my mom and dont want to do anything irrational.  <response>: Same thing happened to me this year, and I can only pass on a comment I received that helped me a lot.Its a serious chunk of change. And youre coming off the death of the loved one too, which has all sorts of emotions that go along with it. Standard advice on what to do about a windfall is nothing. Take some time, take a deep breath, and weigh your options carefully. Dont be in any bigger of a rush than you have to be to do something with the money.In other words, there is no rush. Grieve a while before you make any big decisions. 