<prompt> Human: So my uncle gave me 20k as a thank you for being the only nephewniece he doesnt consider a spoiled asshole. I am super grateful, and want to put it to use for me. I am in medical school, and this cushion is a refreshing buffer from keeping track of every cent. I probably will need to dip into it soon since theres quite a bit of traveling and hotel-staying coming up, but for now, I want to know whats best to do with it.Right now, its sitting in the Ally Savings Account 1.00 APR. I will probably need SOME of it 2000 come January and June another 2000, but the rest I have no use.Its the first time I have any buffer money, and I am relieved to have it.One last bit of detail: between years 1 and 2 Im in year 2 until July, the school cut living costs by 10k and added that to tuition. It was a reduction I wasnt prepared for. I used credit cards and built some debt 6k at around 13, but I dont want to put all the money into that credit card debt and have no buffer again for rainy days. Im okay with paying it off slowly, and know that it will cost me more than I can make up with any investment. The feeling of being in debt is not quite as bad as the feeling of not having enough money to make ends meet.Thank you for any help in advance!EDIT: Oh, one last thing: I have no income so I cant put it into a retirement fund.  <response>: No specific advice except: dont ever talk about this at Thankgiving or Christmas dinner or showing off stuff on Facebook. Otherwise well be seeing you over at rrelationships in a couple months 