<prompt> Human: I got a letter in the mail the other day. Apparently, a family friend died and had named me the beneficiary on an annuity worth 60,000. The death benefit is lump sum.I own my home, and have a 30 year mortgage with approximately a 4 interest rate. My highest income tax bracket is the 25 bracket, so I effectively have a 3 rate on my mortgage.According to the terms of the annuity, I only have to pay taxes on the interest in the annuity, which is approximately 10,000 of it.I dont really like taking on a lot of risk, but I would like to beat inflation if I can. Im thinking about putting some of the money towards my mortgage, but I also understand that the whole beauty of a 30 year fixed rate is that as inflation occurs, my payments stay the same.Ive also thought about seeing a financial planner. It might be a wise move, but at the same time, I feel like theyre going to push investments that are riskier than I want to take on.Id love some advice.  <response>: If I were you, Id pay it all off the mortgage except 10000 which would go into savings. You will save a whole lot in interest, be mortgage free earlier, and not have to worry about risk. 