<prompt> Human: I claim 0, I am getting this chunk of cash and i was thinking about exempting it to ge tthe entire 10k up front. i was wondering if that is a bad idea. additional info:Im 27. i owe 8.5k on my CCi plan on going to europe this summeri plan on going to Burning man this summerEDIT: I am heeding the advice of the interwebz and paying off my CC. you that said its important are correct and i dont want to pay the bank anything more than i have to.  <response>: Pay the taxes so you dont get hammered at the end of the year. 