<prompt> Human: For the sake of things coming up Milhouse later, lets call this debt 9k its a little less than that but whatever, its across 3 cards, and my available income to pay off this debt is 400mo.Due to a small inheritance, I have roughly 15k sitting in an account waiting for some decisions on what I should do with it. I can pay off this debt slowly but surely, regularly overpaying on the minimum, but still accruing interest. I can get a small loan to consolidate the debt and pay that loan, keeping my inheritance. Or I can use the inheritance to pay it all off. I like keeping the grandma money where it is. Its comforting, in case something terrible happens. Its an emotional decision, but damnit all if money isnt an emotional conversation. Originally I had thought Ill invest the money and in a decade or so Ill buy some land with it! But life happens and Im here talking to you people. I could accept that money exists for a reason and pay off the debt with the grandma money and never worry about this again. I would even be able to pay myself back in 2 years, with not putting that income into the debt. I just dont know what to do. I feel like Im in the best possible scenario for debt repayment, but Im terrified of not having that money. Talk me into it? Out of it?  <response>: Pay off the debt with the inheritance and pay back the inheritance with monthly payments that would have gone to the debt. 