<prompt> Human: Im not sure how to start this discussion- so Ill just first state that I recently won 10,000 at the casino on a drunken night of blackjack. I have the money in a safe at my house. Im not sure what to do with it. Im a recent grad with a decent job. I have a ton of student loan debt but Im fine with paying the minimums. More concerning- I have about 11,500 in credit card debt from the years of school and the move afterwards. My question then, is what should I do with the money??Do I pay off my credit cards as near as I can and keep trucking with life? Or is there some place some thing I can do with at least a portion of the money that may be more beneficial? Ive never had this large of an influx in cash. My gut instinct was to just pay off the CC debt, but now I feel like those with more financial knowledgeunderstanding might have a different inclination 5,000 here5,000 there. Any advice is greatly appreciated.  <response>: Heres your options with rates of return:Play more blackjack: -1 return per hand on average 60 roundshr for full table -43hrLeave it in checking account -3yr inflation will eat 3yrSavings account -1 1-2 interest - 3 inflationInvest in mutual funds 5-7 gainPay off student loans 5-7 Pay of CC debt 19.99 gainIf you dont have an emergency fund Id hold onto 1,000 of it that you dont touch. The other 9k Id put on your CCs. And stop going to the casino! 