<prompt> Human: About 4 months ago, switched about 10k from some high-interest credit cards to a 0 for 12 months offer. Since then, my wifes father died, her mom gifted us 12k. Im planning on using this money to pay off the cards, but since I still have about 8 months of 0 money, I thought Id put the 10k someplace to earn interest before I paid off the card. What are my best options?  <response>: Its only 8 months, and the best return you can expect during this period is 1 in a high yield savings account, which would total around 65. If it were me, Id just go ahead and pay off the cards to gain that peace of mind. 