<prompt> Human: Hey guys,Usually I lurk around on my main account, so heres the rundown. Ill be graduating this year with about 150k in Federal only student loans undergrad, grad school and projected interest come this May. My family said they were planning on giving me 50,000 as part of having sold their house a few years ago as a graduation gift.Now the question is, how much of it should I put toward retirement vs. throwing it all at my student loans? Im 25, currently live with my parents and plan to find a job around the area that will allow me to continue to do so as much as possible to save money and help my mom manage her chronic condition. The salary national average for my career is about 66k, but I live in the Los Angeles area which has a range of 63-98k with an average of 83k and am aiming for about 70k as a new grad.I have no other debts, 9.5k in a Roth IRA, 3.5k in an emergency fund and would like to contribute to living expenses while Im with my parents, but have yet to talk to them about that. I also use YNAB4 religiously and am open to any tips on budgeting my new categories as well : I made a category labeled Student Loan Repayment, but Im not sure if thats the best way to format it.  <response>: You have crisis on your hands. Invest 0 and make an emergency lump sum payment on the debt. Get a job NOW if you arent already working and stop taking out loans. Get a full time job and a part time job on graduation. 