<prompt> Human: Im almost 40 and have no savings and no retirement but I have pretty good earning capacity. How would you spend the windfall 50k? Im deciding between paying off credit card or buying a 250k commercial property which 20 down which will yield NET 2.5kmo. Im guessing prudent financial management says pay off credit card but ok thinking now that Ill be earning a good wage I can refinance credit card debt and payoff in a year or so anyway...Help?  <response>: The ROI on the commercial property wont be anywhere as high as what your interest rate is on those credit cards. Pay off that ones with the highest interest rates first with that 50K and once you start earning that 300K, continue attacking that credit card. 