<prompt> Human: Hello,My wife and I are having a baby in May and we just found out from her grandparents that she my wife has a trust valued at a little more then 945k. There is 35k in cash and the rest is a portfolio of stocks.We have credit card debt right now about 25k and are working on paying that down. We also rent right now and are paying 2700 month to do so. I have never had this kind of money and am not totally sure what to do. I am also not sure that access we will have as her grandparents are still alive and well. I assume they would be flexible if we wanted to make some changes but not sure what they would be ok with. We are meeting with them about it in a few weeks and I want to make sure I am prepared.I am thinking that I might try to convince them to let us purchase a house with some of the money Thoughts on this reddit?. Or perhaps there is a way to leverage the trust with the bank to buy a house without such a large down payment?I own a small software business that is growing and make about 8,500 per month before taxes so I feel like I could handle the mortgage and possibly the credit card debt if they would put down the payment to secure the loan and the house.What would you do? Is moving a piece of the trust into real estate an option? A good idea? PS. Our credit scores are not great around 650TIA  <response>: Dont treat this as a windfall. Treat it as finally having some financial insurance that you only use when absolutely needed. Treat it as if you want to be able to leave it to your kids. Its a lot of money but you can blow it relatively quick too. 