<prompt> Human: Hello. I will give more details when I get to the document in my car. My uncle passed a few months ago and I received paperwork that gives me options to decide on a plan in which to do with my portion of the 401k. What are the stipulations if I receive it in lump sum? I am in Massachusetts by the way.My aunt keeps telling me to put it into a strech ira but I dont understand half of this lingo. I am struggling financially and have much debt to pay off. Can anybody give me some advice on my best option for this 401k inheritance?Edit: something I should have mentioned. The 401k is going to be split 7 ways between cousins. Me and my brother were life insurance beneficiaries. I already purchased a much needed car with that and still have something put away. Only thing left to do is chose an option for the 401k  <response>: OP needs to get to the documents in the car first people... Unfortunately the only way to access the documents in the car is to pay the impound 250 in order to get the car back. So I guess someone should just PayPal or Venmo OP the cash. But dont worry, after getting the documents out and the lump sump OP will gladly pay you back 500! 