<prompt> Human: Background: Wifes father is very successful and decided a few years back that he was going to give each family wifes sister and brother 10K every year in January. Initially we placed the 10K into our savings and used a good portion to put down on our first house purchase in 2016. My wife and I do well for ourselves, and usually save 500-1000 per month, and do a good job living within our own earnings. We currently owe 4K on one car, student loans are paid off and our only other debt is the 30 year note on our home. Any ideas on investments to do with this 10K per year that might lead to 5 per year or greater return that we can feed more and more into and is also liquid? Basically Im not sure we want to place this money into IRA401Ks because we already have good retirement accounts with our own employers.  <response>: I would pay off the car loan if it has interest on it, and pay down anything else that has interest on it house. 