<prompt> Human: Hi everyone. As the title suggests, I just finished college with no debt very fortunate. I have inherited 50,000, and would like some advice on how to wisely utilize it. Some relevant info: I will be starting employment in August with a 80k base salary, plus up to 12 annual profit sharing bonus. Until then I will be relaxing over the summer and living with my parents to save money. The company I have accepted a position at offers 100 matching on up to 6 of my contributions to a 401k. I plan on utilizing this to the fullest extent. Aside from the inheritance, I currently have an emergency fund equal to 1.4x what my gross monthly salary will be. I plan on continuing to add to it until it is 3-6x my gross monthly salary though I havent yet decided where in that range I will go to. The benefactor of the inheritance said the money is, Intended to be used as a down payment on your first house, or something of that nature.Now, I dont have any plans to buy a home in the immediate future, so Im looking for some advice on how to best invest this money for the time being. Or perhaps, whether I should invest it at all perhaps you have a better suggestion for me. Any advice is appreciated.Thanks.  <response>: Forget this for a second. I want you to take a second and realize what a great gift youve been given in terms of generational momentum. Imagine a young man of your age. Instead of graduating college with 0 in debt, 50,000 in the bank, a car, clothes, and whatever else you may have... as well as your training on how to do basic things like show up to work on time, balance your finances, etc... Imagine that the young man in question had abusive parents that worked for minimum wage, and still managed to get through college. He has 50,000 in debt and none of that training. He worked and scrapped and saved and sweated and borrowed just to try and get to the point that youre starting out at. Over the course of his life, that 50,000 in debt will rob him of hundred of thousands of dollars when adjusted for the returns he wont be making on that money. We wont have the social and career connections you have. Hell make dire financial mistakes because he simply didnt have the training. If you work as hard and as smart as that guy does, youll end up in an amazing place. Please appreciate it, and please stay hungry. Dont waste amazing opportunities that not everyone gets. 