<prompt> Human: My Dad just wrote me a check for 14,000 and I want to use it the best way possible. I am 25, recently started a second job, now making a combined 1000-1200week in tips. I have no bank account and 1,500 in cash savings. Current debt: 1000 from 2013 taxes...also didnt file last year so possibly up to 2000 to IRS. 50-60 from overdraft and subsequent fees...transferred from a local bank to a collection agency.Rentbills: 500monthCurrent spending habits: 500week eating out and going bars I know its way too much, but its what I love to do.At best my credit is somewhere between nothing and shitty. My goal for this month is to open a bank account, pay off any debt I have, and hopefully buy a new car. Should I use a local credit union or a national bank?Should I pay off debt outright or set up a payment plan?Should I try to buy a car outright or take a loan?I was thinking I could pay off any debts I have with 2500, spend another 2500 on a down payment for a new car, and hopefully invest 10,000. Any advice is welcome, I honestly have no idea what Im doing.  <response>: If thats what you expect to get for inheritance I would put it away in savings or an IRA and pretend I never got it, see what it turned into in 40 years. But you have a 500wk eating out expense despite having no net worth, so i assume the chances of this happening are zero. If you want a serious answer then pay your debt, correct the tax issue, but a cheap used reliable car with cash if you need a car for work and save the rest. Your eating out budget is absurd at any income level. 