<prompt> Human: Dad passed away in February and I inherited his Schwab account. Its causing me a lot of anxiety. I have basically no experience with financial planning and am not familiar with the terms. It took me a while to write this post. Im not a spendy person and would never blow money on silly things. I want to make a choice that benefits me in the longer term.1. Keep it as-is benefit from it later somehow2. Sell half of them and pay off my 54K student loan 3. Open an IRA and start investing it myself 4. Something else?What is the best course of action?Edit: Formatting  <response>: Im sorry for your loss.My own feeling about these, other than reading the faq tell no one, emergency fund, pay debts is that you may just want to sit on it for a year before doing anything, really, and let it sink in. The Schwab government money market fund is essentially the a cash account, its probably your sweep fund for when things are bought and sold. There is no reason to have a JP Morgan fund that is so similar. I wonder if he moved it from JP Morgan at some point, as thats a really odd fund for anyone at Schwab to be in. Other than that, its basically an allocation appropriate for someone in their 50s or 60s, given that about 12 of if is in bonds or cash. But other than that, its basically a 3 fund or actually in this case ETF allocation that is a decent plan for investing - international stocks, US stocks, bonds. Its heavy on bonds and light on US stock for someone who is young, so Id rebalance it eventually.tl;dr - not a bad selection of ETFs and funds, 13 is already essentially cash the two money market funds and so an emergency fund. Read up on the 3 and 4 fund portfolios in the faq and pay off debts from the highest rate down. 