<prompt> Human: So I am not too sharp financially, but I know I do not need as much money as I currently have to live at this moment in my life. My job pretty much pays for all of my expenses. I really want to responsible with my funds in order to make them last into the future. Looking for advice on investing, or what would be the smartest move in general. Current funds:Morgan Stanley:45,000 This amount is in a Morgan Stanley account my grandmother set up for me. I know this money has some kind of interest accruing. I dont really know how it works but it usually goes up or down a bit each year. Student loans:Total debt: -36,000The highest interest rate is at 6.8, which is about 22,000 of the total loans. Im looking to pay off this specific loan immediately.Other: 25,000I won a lawsuit before I was even old enough to understand what a lawsuit is. This January I will be receiving an additional 25,000.I know I at LEAST want to pay off my high interest loans, maybe all of them, but part of me wants to pay off the rest on my own Im stubborn I suppose. I also am not sure what to do with the additional 25,000 I will be receiving this year. Im sure I can give it to Morgan Stanley and have them invest it, but I just dont know if thats the best move. Any advice would be extremely helpful, thank you!!  <response>: Id leave the Morgan Stanley money around for now. Use it for a down payment on a house when you get there. Use the lawsuit money for the student loans-- knock out 20 or 25k right now, and take care of the rest in January when you get the rest of the money. 