I am in my 4th year my studies with 3 more years to do until I'm fully qualified. It's my 4th year renting in Dublin-originally from Galway. My Dad left me and my siblings some money when he passed away a few years ago and my mum invested it in SSIAs for all of us. My mum has no income. The SSIA has just matured and along with my own modest savings i have 22 grand. I will be working on a graduate salary for the coming year (25 grand approx) before I qualify. I would eventually like to see myself living in Galway...to buy a house there. I have no debts. Sound financial advice ideas much appreciated.