<prompt> Human: Hello everyone,Im very sorry to say my friends mother passed away. It was very sudden and unexpected but shes handling it as well as can be expected. Her mother was a wonderful person and prepared herself very well in advance.My friend after paying off some debts and dealing with the estate now has:-a fully paid off house worth around 375k-350k left from a life insurance policy-100k in a state farm death benefit account at 4.5 apy-and in the next few months will be receiving another unknown amount from retirement accounts, probably in excess of 100kShe reached out for me for help and the basic plan we hashed out was this:Keep the house and rent it out. It should rent for approximately 1800-2000 a month. About 1200-1400 she will take for living expenses and the rest will be kept in a fund to handle costs with the house.50k liquid in high interest saving account for schoolliving expensesThe 100K will be left in the state farm account as the interest rate on it is rather decent for the amount of flexibility it offers can be withdrawn from at any time, pays around 300 a month in interestThe remaining 300k from the life insurance is what were not sure on. My suggestion was to just place it in a vanguard 2050 target fund as that is the general advice Ive seen offered time and again here. The other question is the retirement accounts, is there anyway she could roll over the accounts directly into her own retirement to avoid the tax penalty hit from withdrawing the money? This is the area were not familiar with. We dont even know exactly what it was in the first place as its through the postal service. Does anyone know what kind of fund it would be using?Any other advice would be appreciated. As for her current situation she lives about 400 miles from the house but has family nearby it and a good property manage service theyve used for a long time on another home grandparents that she has a part share in. She rents a apartment and bought a new car as her car failed while she was up handling the estate. No debt liabilities.  <response>: Just sell the house. Not worth the hassle so far away, plus if you get bad tenant they can quickly trash the house. Almost a million is a lot of money. 