<prompt> Human: I just got 25,000 dollars as part of a bonus this year, which is huge and completely unusual. I have another end of year bonus coming as well and I have 2500 saved that was supposed to go to taxes.I am technically self-employed so I pay quarterly taxes.My priorities in my head currently are to :1. Pay off the taxes I owe to the feds and state, I owe some back taxes from underpaying this year.2. Pay off the taxes I owe as part of an installment agreement from last year.3. Pay off any remaining debt, which is about 7000 dollars on credit cards and 2000 dollars in medical bills.My wife and I had a huge fight about this. She insists we should go to a financial planner and get a recommendation, and she even is saying we should pay off medical and credit card debt first so we can improve our credit, then keep the rest until we file a return.I dont like this plan. The feds are probably the worst group of people to owe money to because they can utilize the law more effectively to seize assets or garnish wages. We will owe the feds no matter what so why not just pay the estimated tax? Maybe well get some back in our return.I also want to be sure how much of the money we can actually spend on settling other debts, and what might be left over for savings and maybe a bit of a Christmas treat like IDK just one item weve been meaning to get. Another factor is we are terrible about dipping into savings when our budgets run over. I just want to pay off the Feds fast so we dont end up owing them money we dont have.What would a financial planner say differently about all this? Im hesitant to pay out 150-300 dollars just to have them tell me I should do exactly what I planned on doing anyway. I mean, how could a financial planner tell me to prioritize non-tax debt over tax debt?Thanks for any advice.EDIT :As a side note, I also have student loans. Lots of them. However I am prioritizing the higher interest debts at the moment.EDIT 2 : We ended up actually sitting down and going through the numbers. We can pay off all our tax and credit card debt, and theres even enough left over for some car repairs we own the cars outright, they are older vehicles and a bit for savings! As part of the compromise I agreed to go to a financial planner in a few months to get a long term plan in place to get a house. Thanks everyone!  <response>: Pay the IRS. I would imagine that their fines and penalties would blow any interest rate you have on a current loan out of the water. 