<prompt> Human: I have the ability now to cash out some stock options. After taxes and fees, I should net about 260k.I have a decent income, but live in a very expensive area. Current debts are 700k mortgage 4 and 90k in student loans 6.8. Only 20k in savings, and have not been able to meaningful increase that of late.Of the 260k, I would like to use about 60k for needed home improvements. Alternatively, I could use a HELOC 3 instead and invest that 60k.After that: I could retire my student debt - its my biggest nut after the mortgage. I would like to bulk up my savings, andor put some of that money in a relatively conservative fund that will still allow for liquidity. I also have two 529s for my kids and a Roth IRA that are all underfunded.How would you deploy the cash?  <response>: The rpersonalfinance wiki has a windfall reference. 