<prompt> Human: Hey Reddit!Im 18 and have a structured settlement through Allstate from a case when I was a kid. The total amount is approx. 30k spread over 6 years, 4k for 5 years, and 9k the 6th. I recieved the first check in august, however my family is poor so a lot of that was put towards helping my grandparentsguardians get out of debt. I was recently fired from my call center job and am seeking a part time job. Im currently a student and have approx 1.5k credit card debt.I have an obligation to pay atleast 400month to help my grandpa pay the bills. So my questions are:1 Would it be better to sell the settlement for a lump sum than to take it over the next 6 years? 2 What is the best companypeople to consult if I choose the lump sum?3 What amount or percentage should i reasonably expect to receive if I choose the lump sum?Any tips on good ways to manage the money are welcome!I plan to put a lot of it in savings. Im not going to make any lavish purchases 100. I do plan on investing about 1k in forex, as I have about a year of experience in that.Edit: sorry for formatting; Mobile user ;  <response>: I agree with others, stay away from forex. Dont invest until you have some sort of savings set up. Also, youd be lucky to get 15k if you did lump sum. Just learn to budget instead. 