<prompt> Human: A couple redditors in rfrugal suggested I cross-post this here, so here goes.Hey Frugal,Longtime readercontributer using a throwaway due to the nature of the post.Heres the story. When my husband and I married, we had almost fifty thousand dollars in debt. Over the last five years, weve adopted a very frugal way of living- making do or doing without, learning new skills, gardening, cooking all our own meals, getting rid of cable tv, etc. Weve managed to reduce our debt to 15k, with three months expenses in an emergency savings fund. Were very proud of our accomplishments and how weve been able to turn things around.Heres the complication. I am currently about to inherit, unexpectedly, over one hundred thousand dollars after taxes. My uncle was very wise with money, and left behind a significant estate.I am overwhelmed with how to react to this. Of course Im humbled by the generosity, but I also have no idea how to react to this amount of money. Additionally, having the rest of our debt just wiped clean makes me feel incredibly blessed and guilty. And knowing that there will be over eighty thousand dollars left afterward is completely overwhelming.The plan is to pay off all debts, put a big amount in our IRAs, consult a financial advisorplanner to invest the rest, and continue living in exactly the same way. Were both very happy with our lives and see no need to add in crazy vacations or luxury cars or any of that nonsense.However, I cant shake this feeling of guilt. I feel like somehow the accomplishment of paying off all that debt is no longer ours, no longer something we earned. Part of me wants to donate all the money and continue living as I have, so that I know that when I pay off the debt itll be because I earned it. But at the same time, I feel that wouldnt honor my uncles wishes or all the work he put into earning, investing, and holding that money so he could turn it over to us after his passing.Additionally, all of our friends are in debt like we are. We get together for weekly potlucks and movie nights in each others homes so we can get out of debt. I worry that if our friends find out about this, there will be a wedge between us.Im at a loss, 1 rfrugal. Has anyone else been in this situation? How do you handle sudden wealth? Investment tips? Tips on dealing with my frugality buddies? How would you handle this amount of money?Other background info: We rent, we have two low-end newer cars one of which is paid off and one which we still owe about 4k on, about 1800 dollars of credit card debt left, about 10k in student loans private and federal. Monthly, weve been contributing about 600 dollars month toward debt using the debt snowball method. We keep a fairly strict monthly budget which allows for about fifty dollars in entertainment, one monthly dining out, etc. etc.TL;DR: Was in debt, paid off tons over five years through dedicated frugal living, inherited 100k. wat do  <response>: My first thought is dont be silly by feeling guilty, pay off the debt and live your life the same.But if you really cant help the guilt feeling then take the entire 100K and put it in to a retirement product. Thus you can still pay off your debt your way yet still have the benefit of an extra 100K 