<prompt> Human: Forgive my post if its messy or unorganized, first time posting here. So my mom passed away about a month ago in mid-October lost her battle with ovarian cancer. She always told my siblings and I that she wanted to leave us something. Little did we know it was almost 200k. I am the youngest of 4 and after taxes and all we ended up with about 35k each. I was wondering what kind of things I can do that can make my money work for me. Plus i want to save, but have a lot of debt. Info on my own finances young and financially stupid in my early 20s:- 21k in student debt- 4k personal loan- 800 credit card debt- 700month in rent- 15hr full time job- Going back to grad school fall 2017 8k tuition a year for 2 yearsOther than that basic stuff like cell phone, car insurance, medical insurance. Any info helps!  <response>: what kind of things I can do that can make my money work for mehave a lot of debtYou have 23,000 in debt and 35,000 in cash. Wipe out the debt. 