<prompt> Human: Hey guys so here is my exact situation:I am employed 30 hours a week at a pitiful pay, but enough for my bachelor needs. I have no savings.I am currently in the neighborhood of 80K in debt, 100 medical, relating to an 8 year drug alcohol addiction. Never owned a credit card.Last December, I was struck in a hit run incident. A few months back a friend of a friend whos a laywer contacted me, blah blah can I represent you? I said fine, no risk to me. Didnt think much of it. So just the other day, he calls. Things are wrapping up soon, I should expect to personally pocket between 40-50. Thousand.Im fast approaching my mid-thirties, and this is about 20 times more than the most money Ive ever had. I want to be really smart with it.So... How?  <response>: If I were in your position, I would start making callssending letters NOW to your creditors for any debt that is not past the statute of limitations and offer to settle for 30-50 of what is owed. The odds are that theyll take your offers.Then pay them and stash whatever is left for an emergency fund, and try to start saving at least SOMETHING every payday...if youre working 30 hours a week, and at a point in your recovery where you can take a little more stress, find a little part time job like tutoring, or delivering pizza or proofreading, and stash every penny you make on the side for retirement and an emergency fund. 