<prompt> Human: My aunt passed away last year. Her stocks and all investments were sold. The resulting money was divided between a few surviving relatives. I will be receiving 23,000.I am 27 years old. I make 39,500 per year. I live in a major metro in the Midwest. Cost of living here is relatively low. I do not own a home. My girlfriend and I share a two bedroom rental home at 490 each per month. I currently have 5000 in savings and about 800 in my checking account. However, I owe 3800 on one credit card. This credit has no interest until 2020. My credit score is 782.My cost of living is about 1600-1800 per month, including food and fun money etc. I have a college degree, but I do not have student loans. My car payment is 221 per month for 4 more years. That and my credit card debt are my only debts.How should I use this 23k? Should I use any of it to pay towards my debts or is that a bad idea? What about using some towards a down payment on a house? Or should I not be using any of the money and save or invest it all instead? If so, into what? Stocks? I already have a 401k with company match, but only a couple thousand in there. Been in my job one year.  <response>: You could put 5,500 in a Roth IRA for 2018, and then, in January, 5,500 in for 2019. That would put 11k into tax advantaged retirement accounts, which would probably be a good thing, as you dont seem to have much in retirement investments yet. Open the IRA with Schwab, Fidelity or Vanguard, and invest in your brokers Target Date Index fund.I doubt you should pay off debt, as you can probably manage to pay off the 0 card before incurring interest, and the interest on the car loan is probably low.Maybe save the remaining 12k towards your house down payment fund.Good luck. 