<prompt> Human: Hi PF, I have learned a lot from you over the last couple years and now I think it is time to have you all weigh in and critique me. 27 years old - Single - no children - only debt is mortgage and student loans - medical professional - stable career - I will be getting a 25k gift from my parents shortly need help selecting the proper loans to pay off to maximize the value of this gift. Also, I will be moving my parents into my house due to their age and health status. Instead of me charging them rent, they want to contribute 1k a month to my student loans to help me pay them off quicker. They are financially independent - they are moving in strictly so I can keep an eye on them, making sure they take their medications - get to MD appointments etc - and I will be giving them my first floor master bed and bath so they dont ever have to make steps - and no I am not Asian. I dont mind my parents living with me too much I will pretty much have a basement that is setup to be a 1,000 sq ft income suite. My goal is to pay off the student loans as soon as possible. Once they are paid off, I will either buy myself another house if there is a girl in the picture and let my parents and my brother live in my house for cost or if no girl in the picture just dump as much cash as I can into saving vehicles and FIRE before 50. I was also wondering what PF thought about purchasing an own job disability insurance. My company does not offer a good group policy and was wondering if the cost was worth it for a person in my situation. Thanks PF!AssetsChecking Account - 11,200Emergency Fund - 15,000Life insurance fund - 1,200 - Annual premiums for both term and whole life are 1,900 a year 500k - Dont turn this into a thread about how horrible whole life is - I have done a lot of research on it and have determined that a small loss in potential gains compared to a 401k is worth the securityadvantages of what the policy can offer and it will only be a small part of my portfolio.Car - Paid off - worth about 8k.Apple stock 4,281Old Job 401k - 19,433Old Job Vested ESPP value - 3,067Current job 401k - 5,400 started job in July 401k was introduced to company in October - I put 500 in a month and they match up to 3House - Purchased for 173k - Put 10k into it in renovations new kitchen, and new masterbath, new floors, and new lights and fans House down the street same floor plan is currently on the market for 245k. Mortgage balance is around 160k owned for less than a yearLiabilities Current Balance 5,802.87 Interest Rate 8.000Current Balance 22,471.13 Interest Rate 5.000Current Balance 22,598.67 Interest Rate 6.000Current Balance 15,716.92 Interest Rate 8.000Current Balance 22,504.13 Interest Rate 3.750Current Balance:17,859.59 Interest Rate:6.8 Current Balance:19,603.60 Interest Rate:7.9 Current Balance:3,149.56 Interest Rate:3.4 Current Balance:4,379.73 Interest Rate:4.5 Current Balance:1,963.72 Interest Rate:6.8 Current Balance:5,945.71 Interest Rate:8 Current Balance:4,427.15 Interest Rate:5.6 Current Balance:2,077.52 Interest Rate:6.8 Current Balance:2,187.95 Interest Rate:6.8 Current Balance:3,636.19 Interest Rate:6 Current Balance:2,831.24 Interest Rate:6.8 Total Student Loan debt is about 157k down from 207,005.88 when I graduatedBudget - Net take home pay 5,200monthStudent loans - 2KmonthMortgagetaxes - 1.2kmonthUtilities - 300monthGas and Car insurance - 150monthCell phone - 50month Food - 200monthLife Insurance - 160monthEntertainment - 200monthVacation - 100monthGifts - 40monthEmergency fund - 100Whatever is leftover at the end of the month goes to paying off the top student loan.  <response>: Youve got about 25K in 8 loans, so start there. 