<prompt> Human: Background: Got into a car accident about a year ago. I received a combined settlement from two insurance companies and after medical and legal fees, I just signed for a check today for 33,000 rounded down. They were able to get so much because both drivers were at fault since they both ran a red light and hit each other. Im 26 years old. I have about 11,000 in debt from credit cards and bills. It has all been sitting in collections for about 5-6 years. The only active card I have is a secured credit card which I pay off in full now. I have about 2,000 in savigs and my monthly living expensives are about 900 total since I rent. I dont know anything about investing or IRAs and dont know what to do with this money. When I was 20 I ran into about 10,000 which was promptly wasted and led me into overspending and ended up with up with all my debt in the first place. EDIT: All information about paying off the debt for moral reasons will not be followed. This makes no sense. Paying it back wont help me at all. I will sleep better knowing I have the 11,000.  <response>: Grow up and pay off your debt. Then live happily ever after. 