<prompt> Human: Hi there,I am very new to Personal Finance but I am loving everything I have discovered. I grew up poor and I have always felt poor and have always lived paycheck to paycheck. I have taken a grave satisfaction in struggling and I am trying to change my mentality. I want to have nice things like a house and stop this paycheck to paycheck cycle. I owe 1500.00 to one CC Bank of America and I have approximately 50,000.00 in debt with Uncle Sam.I am going to be receiving a check for 10,000.00 from a family member. I am actually terrified because I know with my habits I could easily spend it just so I dont have to deal with it. In a nutshell I was always taught to think money is evil blah blah blah. I want to do something with it asides from having it sit in a savings account. What would be the smartest and most financially responsible thing to do with this money?Thanks for your timeThank you.  <response>: The most financially responsible thing to do with this money would be to pay down your debt. The method that I prefer is to pay off your highest interest rate debt first, and then move on to the second highest, and so on and so forth. 