<prompt> Human: Hi PF, longtime lurker, first time poster. I recently inherited 100,000 from a relative and I would like input on how to make this money work for my family as best possible. I am considering the following three options:1 Buying a rental property to create a secondary revenue stream would pay a management company to make as passive as possible2 Investing the money in an ETF, betting the return beats the interest on my student loans3 Paying down a massive chunk of my student loan debtMy current financial pictureDebt: I have about 250,000 in federal student loans from medical school with rates between 5-7. I currently make minimum payments in an IBR program to a keep open the option of using public service loan forgiveness and b make life during residency slightly more comfortable, knowing that this comes at a financial cost. We have no credit card debt. Own our vehicles outright. Partner has no student loan debt. Income: Both my partner and I are medical residents. We currently have a combined income of 110kyear. We save roughly 15 of our salaries. In addition, we max our roth IRA. I contribute to a mandatory pension fund and my partner contributes up to full matching of her 401k. We have an emergency fund for 3 months. Our future earning potential is high, we should be able to jointly clear over 500,000year when residency is over in 2 years.Mortgage: My partner and I already own a home with a physician loan. We are approved for a second mortgage that would allow us to comfortably purchase a quality rental property in our location. Rate of 4.625 for 30yr fixed. Rent from a tenant would cover the full cost of the mortgage weve done our research. We know what it is like to own a home and understand the additional costs that go into home maintenance, but have never been landlords. We would absolutely get a management company. What are we not considering? What is the best use of these funds given these options and our financial picture? Are there alternative options better suited to make this money grow? Thanks in advance for any advice.  <response>: I would take the guaranteed 7 return on investment and pay down debt. 