<prompt> Human: First time Reddit user here. Please excuse any misuse.I currently have around 10K in credit card debt between three lenders. I recently received a large sum of money around 16K that I would like to make the most use of. Between paying off debt, paying houserent, bills, and in serious need of a new vehicle any advice would be great of how to use this money efficiently without running it down to 0. Thank you.  <response>: My advice is that you didnt get 16k, you got 6k. Pay off that credit card debt immediately and then reassess your situation with just 6k. Do you have a budget? How are you going to keep yourself from going right back into CC debt? Paying it off is great, but only if you fix the problems that led to 10k CC debt in the first place. 