<prompt> Human: Throwaway so people I am friends with who know my username dont start asking for money.I amwas a poor college student 22F. Didnt have to live off ramen, but I certainly wasnt about to go splurging on clothes or unneeded expenses I had about 1,000 to last me through the summer. In retrospect, I prrooobbbaaabbbllly SHOULD have been living off ramen. Just recently, a friend of mine decided to gift me a little over 500,000. I never thought I would have a number like that sitting in my bank account.Now, I read the sticky, but I didnt feel like it helped me tons. I would like to know what a person with financial smarts which Ive never had would do with this type of cash when considering investingnot splurging.Obviously Im going to pay off student loans first 42,000 and climbing. And then Im going to buy a new motorcycle I have a Ninja 250R, and I would like to move up. Its an expense that Im not willing to budge on. But after that what do I do? What do I invest in? How much of a rainy day fund should I have? What do I do so I dont just waste all of it? Edit I: I know absolutely no financialinvesting lingo, so if you could ELI5 that would be awesome :Edit II: Alright apparently a motorcycle is a SUPER bad investment. I will think about it rather than not budge on it.TL;DR: Title. Just came into quite a large sum of cash. What the hell do I do?Assistant: And then Im going to buy a new motorcycleReally...this is how money gets pissed away.This is an unparalleled liquidity event. Youre unlikely to have that kind of sum dropped in your lap again. If used correctly, it will buy you a house, pay off college, sustain you until you find a professional job, and allow you to maximize your retirement savings every year for 5-10 years. If done correctly, you can retire in your 30s. If done without thought, youll remember when you had that money and have a in retrospect I should have lived off Ramen revelation. You didnt do anything to earn this money, so there is no reason to expect to come into a sum like this again.Human: Comes to personal finance subreddit asking for advice; wont budge on horrible financial decision after admitting that in retrospect some thing should have been changed. Especially when she still has 1 year left on the old bike payment and a car... 500k 200k in 3 years or less Assistant: Point taken, edited the post because of it  <response>: Unless youre buying broken bikescars for cheap and fixing them to resell, dont think of a motorcycle or any vehicle as even a super bad investment. Theyre expenses and they lose value, theyre not investments. 