<prompt> Human: I will lay it out flat and solid for you. I know there are no right answers. But as people knowledgeable about finances and money, can you tell me, realistically what youd do in this situation? Youre 26 years old, college graduate, steady job You have 60,000 in a bank account. Not savings, and its not earning interest You have 25,000 in student loans You live at home with parents get along but are beginning to feel the downsides of living at home in your mid twenties and the effects it has on your growth and development as a fully functional adult You are considering going back to grad school for a masters degree MBA - even out of state You are adamant about parking your money in an investment that is low-risk, but will at least be able to fight against inflation while still being able to have enough cash to grab in an emergency -liquidity is the key here. Youre frugal and almost never spend money - except on the occasional clothing, food, gas, etc. maybe 200 or 300 a monthWhat do you do? Where do you start? My parents are constantly encouraging me to consider getting into real estate and buying an apartment complex and then renting it out and earning an extra income that way - but Im unsure about that and Im uncomfortable about it, too. The last thing Id want is my savings of two years of work to burn up in a flopped investment.Considering everything I threw at you above, realistically, what kinds of financial steps would you take to get things in order? Im also considering getting into contact with a financial advisor at my bank, but I cant help but shake the feeling that hell be more of a salesman, and not really take my needs into consideration. I feel like hell just passively advise some SP500 equities to invest in, a mutual fund, and then thats it.What would you personally do, all things considered? There are no right or wrong answers here.  <response>: first thing i would do is pay off my debt. literally no point in having debt when you have savings. then each month instead of making the loan payment, you just funnel it back into the savings.next, i would really consider your graduate school options and zero in on where you want to go. research the school, the admission requirements, bla bla bla. once you feel good about your choice, buy a small townhousecondo in that state. use your savings as a downpayment, minus like 5k for an emergency fund. continue to work and save money until you are eligible for instate tuition. 