<prompt> Human: Snapshot: 29 y.o man.HS Math teacher taking in about 50k a year. recently purchased a house in Austin, Tx loan 180k, monthly escrow 1200NO CC DEBT, NO STUDENT LOANS, NO CAR PAYMENTI combined a few retirement accounts from various old jobs and now have a ROTH IRA with about 14k in it and I have a 401k matching thing at my school that Im making out and putting about 4800 a year into. NOW THIS IS WHEN THINGS GO A LITTLE TOO WELL Im yelling with excitement. My grandpa handed me a check for 28k a month ago. He said Youll get some more later. Normally my advice would people my age is to do all of the things Ive already done. Now that I have this extra cash I dont know what to do. Options Ive thought of:Buy life insurance that can then be used as retirement laterLive off about two months of that 28k and put entire paychecks into my 410k since its pretax and that will be a lot of moneyDump some into the IRAPut some towards my principle on my house. Combination of the above?All the while I intend on keeping about 15k on hand for any home emergencies and what not. Any tips on how to maximize my good fortune?  <response>: When everything is going too well... you make hay. Do the 15K in the bank. Then throw the rest at your house. Ive always paid off things as soon as I could, I pursued financial freedom not comfort, now I have both. Dont be one event from a crisis. A lay off, an accident that prevents from working, reduced income or sickness. With these new windfalls you can work towards this without having to cut your current lifestyle. What a blessing. Good Luck. 