<prompt> Human: Each year in July I receive a check for 7,000 from an inheritance. I have previously just deposited it into my bank account. However, now that I am older and wiser and employed well enough to the point that I dont need that money for basic expenses, I want to know how to best make that money work for me. I have three options I believe:1. Pay down the principal on my mortgage which had around 102,000 at 3.75 remaining at the moment.2. Pay down the principal on my auto loan which had around 14,000 remaining for four years at 1.8. If this loan gets paid off, I wild save 335 a month in monthly payments to use elsewhere. 3. Invest the money in either my employer retirement plan or a new investment service like Betterment. I really would like to start using my money in the most beneficial way to start my path towards financial freedom.Thanks!  <response>: Have you maxed out your Roth IRA 5,500? If not, Id throw the money into a totally maxed out Roth. Is the money held in trust? When does the trust or annuity dissolve? Is there any way to accelerate the payouts? 