<prompt> Human: I just won 10,000 in the lottery. I will get to keep 7,200 after taxes. Im in my early 30s, make 85kyr, dont own a home, dont have a retirement account, dont have savings, and have 15K credit card debt, 20k car debt, and 60k student loan debt.What should I do???  <response>: Unless the 85k is a brand new development wake up. 