<prompt> Human: Hello,Ive read the wiki and post on how to prioritize planning for a large sum of money, but I feel like there are some unique circumstances at play here. To that end, a bit of individualized advice would be most appreciated. Note: this is a new account due to the high level of personal information Im about to divulge.BACKGROUND My SO and I have been together 7 years. We are unmarried as of now, but are planning to get married in the next few years. After working for several years, I went back to law school and will be graduating in 2016. He currently works, grossing about 90k per year plus bonus. I have obtained a summer associate position for this coming summer at a firm with a historical 100 post-grad offer rate. If all goes to plan, Ill be starting at 160k per year plus bonus at my job after graduation. We currently live and plan to stay in the SF Bay Area. CURRENT MATTER This summer, we will be receiving approximately 200,000. Were attempting to formulate the best plan of action for our future.We currently have a 3-month emergency fund in a separate savings account. He contributes up to the employer match in his 401k I believe 5. Neither of us has any credit card debt. He has no debt, period.Unfortunately, I will be graduating with about 150k in student loan debt, all from law school mix of Perkins, Stafford, and GradPlus loans. OPTIONS? We had been thinking that we would use this money towards a downpayment on a home. The market around here is absolutely nuts, so it seems like the earlier we get in the better. We also loathe renting. In this scenario, we would purchase the home, and in my first two years working we would continue to live primarily off of his income and put 90 of my take-home towards my student loan debt until it is paid off, likely using the avalanche method and first targeting the GradPlus loans, which carry the highest interest rates. We plan to be in the Bay Area for a long time, and even if we moved we would likely hang onto the property to rent out. So Im thinking that buying a home would at the very least be a net positive investment. But Im not sure if its the right one considering my outstanding debt. Is the second option, paying off my current debt 90k and the remainder of my tuition now, the smarter option? Or, is there a third option where we just invest the money for now and revisit this in a year or two? Im also going to need a car once I start working full time, so I have to factor that into the equation somewhere.Thank you for any advice you may be able to give.Assistant: Downpayment all day every day.Its his money, not yours, and he should put it toward something thats in his name. You can be added to the lease when you get married. Sometimes the fiscally advantageous decision paying the debt you have; SFs real estate market wont stay this high forever isnt the best one.To put it harshly, using the money on your loans is at a very basic level taking advantage of his good nature, even if hes willing and wants to do it, etc. Balance is important in relationships, and if his inheritance is dumped into your loans the scales will tip substantially in your favor. Perhaps its unlikely, but if you envision the worst case scenario from his perspective -- if he has a house and you two split, you move out and thats that. At worst, his house has depreciated. If he paid your loans and you two split, now he has to file a lawsuit to get the money back from you, and 150k isnt small claims court, its a serious case. If things dont go his way there, now hes bitter and twisted for life. Of course, because its you and not some random terrible person taking advantage of his nature, the worst case isnt going to happen. But dont extend his life potential to include such a scenario.Human: To put it harshly, using the money on your loans is at a very basic level taking advantage of his good nature, even if hes willing and wants to do it, etc.Believe me; I feel similarly. Its an option that he put on the table, which is why Im putting it out there now. From my perspective, Im also afraid that this size of a gift could engage a weird power dynamic in our relationship. Money is weird.Weve communicated a lot about this and will certainly continue to do so. Ill keep your comments in mind.  <response>: Oh so you know its a bad idea and youre looking for validation or justification from an online forum to help you convince yourself to take this guy to the cleaners??How about you just have HIM to speak to a financial adviser, alone. Or take the obviously better route - pay off your own student loans! You will be making BANK and will finish them in like 3 years. His mortgage will be there for 10x that! 