Advice on options to build wealth

Housing Expense Savings: By living in the inherited house, you eliminate rent payments, potentially freeing up significant cash flow for investing or debt repayment.
Invest the Savings: Contribute $1,000 or more monthly into a low-cost broad-market ETF (like VTI or SPY) to take advantage of compound growth.
Pay Down Student Loans: Use some of the freed-up cash flow to make extra payments on your student debt. If you qualify for any income-driven repayment plans or forgiveness programs, ensure you're optimizing those first.
Emergency Fund: Ensure you have 3–6 months of expenses in an emergency fund before aggressively investing.

Pay Off Student Loans: Selling the house to eliminate $80k of student debt would free up your budget and reduce financial stress.
Invest the Rest: If you sell for $350k and pay off the loans, you’ll have around $270k (less taxes, fees, etc.) left. This could be:
- $200k invested in ETFs or other assets.
- $70k set aside for emergency funds, future home down payment, or other goals.
Buy Another Property: Consider putting 20% down on a smaller property in your city, keeping a manageable mortgage, and investing the rest.

If the house has extra space or could be modified (e.g., adding a basement apartment or Airbnb space), consider renting part of it. This could cover taxes, insurance, and even contribute to student loans or investments.
Alternatively, rent the entire house and move back closer to the city. This way, you generate rental income while keeping the house as an appreciating asset.

Stay in the house for 1–2 years while aggressively paying down student loans and investing.
After building some financial momentum, revisit whether to sell, house hack, or continue investing.

Emotional Value: Does the house hold sentimental value? If so, keeping it could make more sense.
Real Estate Market Trends: Research the housing market in your area. If prices are rising, keeping the house might yield better returns in the long term.
Student Loans: Evaluate interest rates. If they’re high, paying them down more quickly could save money in the long run.
Tax Implications: Selling an inherited house may trigger capital gains taxes, though some exemptions apply.

$350k invested for 11 years at a 7% annual return grows to ~$730k.
Paying off $80k in student loans at 5% interest saves ~$4,000 annually in interest, freeing up cash for other goals.