<prompt> Human: I live in the US. My dear Canadian relative surprised me with a check for 5K CAD, but unfortunately the current exchange rate 3832.45 US. Ordinarily I wouldnt feel comfortable accepting something like this, but Im about 33K in CC debt... and the cash would provide me with some breathing room. Before you judge, I usually have zero to nil cc balances, but the past couple years of life have been pretty shitty and I needed the CCs to get a few things accomplished. Im financially weary and can barely see straight so some outside perspective could prove useful... lol. Thanks in advance.x200B;Should I:-pay off my car payment of 3,003.53?-pay off the balance of a high interest CC 1,700 and then apply the balance to another debt stream?-do nothing and just keep the cash in my checking acct for a rainy day? I have a small cushion, but its tight.-something else?x200B;x200B;  <response>: Pay off the CCs first. No reason to pay off your car unless its a higher interest rate than your credit cards 