<prompt> Human: Hello PF!A slightly modified version of the common I have X, what do I do with it? Through my states missing properties department IL, I found 30 shares of Disney stock my grandfather purchased for me as well as a handful of dividend checks over the past 15 years or so when I was young. As of today, those shares are worth about 95 a piece.Normally, I would follow the PF FAQ with what to do with the money. So far Im about mid way up the PF ladder... I recently paid off all my remaining credit card debt 10K in one year, I have a small emergency over a little over 1K and my working capital can probably get me through 2-3 months of unemployment. However my net worth is about 0... my student loan debt and retirement accounts are both at about 55K. My first thought, if this was just cash, would be to increase my savings. However, as this is a stock that historically has outperformed the market over the long term, perhaps I should let it ride? My student loan debt is atrocious and I am 35... it would feel good to take a chunk out of that... but Im probably getting better returns on that stock long term than my student loan interest 42K at 6, the rest at 2So, PF, what do you think I should do with it? Let it ride Cash out and increase savings Cash out and throw it at student loans Edit: typos  <response>: Youre exhibiting something called endowment bias - attributing extra value to something just because you own it. You need to be clear on what you would do if you had been left 3k cash instead. 