<prompt> Human: Hello all,I and my immediate family find ourselves in a new, scary and sad situation. My father passed away last week due to heart complications he recently had to undergo quintuple bypass surgery, everything looked great after but he passed suddenly 6 days after. My father has always been the primary bread winner in the family so this is where things start to get scary.A little current backstory, I am currently 27 and at home yes I know how terrible that sounds but it was by the good graces of my father that I was there. I tried to move out to Colorado late last year, but for a multitude of reasons it did not work out and had to move back. I was looking for a decent job to save and move out and 3 months ago finally got one and things were looking up.My sister of 24 recently became a registered nurse and was at home going to school preparing for this. She just started her job this week and the plan was very much the same, save up and move out.My mother has not worked in 8 or so years as there was never a need to as my dad made around 80k a year. She has also never done their taxes, never took care of any bills since my father was very much the dont worry about it, Ill handle it type.We always lived comfortable, never really requiring to pay much besides our own bills car payments, cell phone, our part of insurance ect.With my Fathers passing, I have to step in to take control and make sure we do not come out of this in a bad position.Luckily this months bills and rent were paid and my father wrote down account info for the various bills that we had.In the bank right now my father has around 4000 it would be around 6 but the funeral parlor costed quite a bit even with cheapest options.I did the numbers on bills and rent, and it comes to around 2,300 to 2,400 depending. About 250 of that are payments towards balances so will not always be there. I will also be speaking to the cable company about the package we currently have to get a lower one.Rent is 1150 weve been in our 3 bedroom apartment for a very long time, so the owners are a bit lenient in that they havent raised rent on us for a very long timeWith my Dads life insurance policies and HSA account payout, we will be getting around 243,000The HSA money will most likely be used for the Hospital bills, my Father also had a good plan he worked for a health benefits company, so I believe he said it would end up being around 5k when all is said and done, which is basically what is in the HSA.His 401k was taken out and used to pay for my sisters schooling, so there isnt really anything there. only about 170From what I have seen, the payouts can take some time but with my sister and I we should be able to cover the next two to three months of rentbills without issue.Luckily both the Cars my parents owned were paid off, and there isnt really much in the way of credit card debt at least I dont think so, I could be totally wrong on this. There is a 1,300 balance remaining on a Paypal account, a 4,000 balance remaining on a Dell credit account, and a 3,000 balance remaining on a credit card.My father did not get the taxes done yet, but I do have his W2. I have done my on taxes since I could they have always been very , very simple so I would imagine given I dont know what was involved in my fathers and with his passing, going to a professional would be the best course of action.I know a few things we cannot move forward on until we have the official copies of the Death certificates. These should actually be signed today if all goes well.I realize my mother will now need to start looking for work, but is there anything specific we should do to make sure this does not turn really ugly? I dont know that she can get anything super amazing unless very lucky. She has been out of work for a while and never really did anything towards a career.Should the balances be paid off right away once the insurance money comes in? Should the taxes be done before the insurance money comes in? I think I remember reading the 401k would be effected but not the insurance payout, but I am not sure.I myself currently only have 3000 in the bank the move used up all of my funds and my sister has nothing put away but will be making more money than I at her jobI know these are very general questions, but there is a lot that is new to me since I now have to grow up to put it harshly against myself totally deserving of itI also know this is a lot of info, but I wasnt sure what all would be needed so tried to include as much as possible.  <response>: Definitely sit down and have a family meeting, but do your best to set your family up for as much success as possible. I would look into splitting the rent between the adults and then using the money to set your mom up for the lowest impact situation you can manage. For instance, buying her a condo with some of the money so she doesnt have to worry about rent. Pay off all the bills your dad had left over, finish out the lease for the apartment and start planning for everyone to manage in the next six months. I would go to an accountant if possible. For the taxes. You dont want to get hit with any oddball situations because your parents are in a situation different than yours. Set money aside for the possibility that your dad didnt withhold enough. Include your mom if at all possible to start and educate her on taking care of herself. Also, if your sister or you need a car, buy your dads car off your mom and use that extra cash to set your mom up. If shes not used to finances, I would suggest a slow period of getting her used to paying everything and doing things herself. Lowering and ending her bills will help tremendously here. Alternately, if you or your sister dont mind living with your mom, buy a condo and pay rent to help your mom get some extra income to take care of herself for awhile while she builds a career. So sorry to hear about your dad : 