<prompt> Human: I apologize if this isnt the right way to do this, but I need some help investing a large sum of money. My father is selling my childhood home in NYC and I am set to get roughly 169,000. I am currently living in Ohio, where everything is a lot cheaper. I am not sure what to do with my money or how to invest it, what to pay off, etc. Here is a full list of my current debt, including monthly payments and interest rates: Mortgage on 67,000 left, 525mo, 3.9 Interest Car Financing 6,000 left, 245mo, 9 Interest Personal Loan 1,500 left, 129mo, 4 Interest Student Loans 33,105 left, 260mo, 3.8-6.8 Interest Furniture Store CC 4,100 left, 200mo, No interest if paid off soon Bank CC 2,900 left, 120mo, 19.99 APRAll of my debt equals up to 47,105 without my mortgage.I had heard that is bad to pay off your mortgage early, but I have no clue whatsoever. I am 29 and married, we both bring in roughly 2,200 a month. We have been living comfortably all long. I also want to invest about 10-15,000 in home repairs and upgrades to my current house.Any advice about what to pay off? Should we pay off all debt? Some? None?Whats a good investment strategy? We are both completely clueless to this. My wife has a small retirement fund through her job and I have none.Any advice would be super helpful, and if you need more info, I will gladly edit this post. Thank you so much!!!Edit: Thank you all for your advice! Shortly after posting this, I did read the sidebar info for Windfall and Prime Directive. I agree, we do have a lot of consumer debt for our age. But, with this money, I will pay off all of it, plus invest in our financial future. Thank you again for all of your help! Papa bless!  <response>: Pay off every drop of debt you have and invest the rest. Meanwhile with your newfound extra income from your regular jobs, save a large portion of it and throw it right into the bank.Boom, youre on the fast track for retirement and a nest egg without any debt, to boot. 