<prompt> Human: Backstory:My father and other co-workers joined in on a law suite against their employing company and won. Each employed received a compensation check for a specified amount. His was 125k before taxes. He gathered the family together to discuss what we should do with the money. Every one chipped in their two cents and it seemed like everyone liked the idea of openings a restaurant or my mom to run since she loves cooking and has worked in every position a function restaurant needs to operate. So this idea seems plausible. This or opening up a business of some sort or investing in stocks, we heard about the check yesterday. So I came to the first place that came to mind for financial help. My dad make a pretty good living, around 110,000 but we always seem to barely make it every couple of months. My dad was bad credit, Im not sure the specific number but its not good. We have two apartments, a house payed off and a property lot. Three cars and two kids heading to college next year with no financial aid. He has around 10,000 in credit card debt and is still paying off college loans from when my sibling dropped out of college. Some guidance would be great as to what we should be doing with the money. I believe after taxes the check comes down to 90,000. We have little idea as to what were doing. Any advice would be great. I recommended we get a financial advisor for a start. Edit: Thank you all for your advice, it means a lot. This is the guidance we needed. Thank you all!  <response>: Debt and pay for a somewhat useful college degree.A resteraunt is a disaster plan. 