<prompt> Human: I am in my 40s, I do not have an emergency fund and pretty much live paycheck to paycheck. I am married but my husband is unemployed and has been for the past two years. I will be receiving about 10,000 as an inheritance and am not sure what to do with it. My initial thought was to pay off credit card debt, I have about 11,000. I pay about 300month in credit card payments, of which I could mostly save if I did not have the debt. My fathers thoughts are to do some work on the house or reinvest it. My husband does not want to do work on the house, he thinks I should save it.Would it be best to pay off debt or put it away? If I save it or invest it, is there a way to do that so it is relatively liquid?Thanks so much for your help, I look forward to your advice.  <response>: Consider this your one out of jail free card. Pay the cards, then cut them up. How often do you have 10k float your way to get you out of a credit jam?That 300 you were spending on the minimum monthly payment should be redirected to a savings account STAT, so you have the beginning of an emergency fund. Heck, if you can afford it, try to round it to 500 a month in emergency savings. 