<prompt> Human: I am a 21 year old college student. I received a trust with 43,000 dollars in it. Its invested in various places and had a return of 13 last year. First question, that seems high and unsustainable long term. Is it? If it is a sustainable rate of return, I crunched some numbers and it would grow to be close to 2,000,000 If I just left it alone for 30 years. If at that point it continued to accrue that much interest I could theoretically retire while pulling out a modest salary of interest earning from that trust. That just seems... so impossibly easy. Obviously if this is how it should play out I dont want to touch a cent of it. But Ill need to for school.I already have a small amount of subsidized Stafford loan debt 6500 But even when it starts to accrue interest it will be less than half of the returns from that trust, so should I pay off the loans in a traditional fashion instead of with that trust?  <response>: First question, that seems high and unsustainable long term. Is it? Unsustainable is probably the wrong word - a better description would be unlikely to continue. The market has done unusually well in the last year. Do not count on that sort of return every year. Something you want to think about is whenon what terms you are entitled to distributions from the trust. The money in the trust is most likely not yours to do whatever you want with - there are likely many restrictions on when and what money can be distributed to you. For instance, you may only be entitled to the income from the trusts investments, not the investments themselves. You need to familiarize yourself with those restrictions, and take them into consideration for your financial planning. 