 this $25,000? Well, I'm going to presume that this is excess money, meaning that she does not need the money to fund her emergency reserve fund because that's already set. If she hasn't, remember, she needs enough money to cover six to 12 months of living expenses just in case. She needs to pay down any outstanding debt, which from the sounds of what's going on for her is highly unlikely. Presuming she's got the emergency reserve and no consumer or student loan debt,