<prompt> Human: So I just graduated from college at age 25. I am currently living at home and havent found a job yet. My monthly expenses are modest phone bill, gas etc. My dad just gifted me 10k for graduation and I am looking for some input on how to use this money wisely to start planning for the future. I have no debt other than about 40 k in canadian student loans which have a very low interest rate.From what i have read it seems like setting aside a few months of expenses plus contributing max to a TFSA and perhaps some to an index fund would be a good idea, but I am really new to personal finance so any help would be greatly appreciated.  <response>: Find a job. Keep the money in a checkingsavings account 