<prompt> Human: Due to conditions that derived from unfortunate events a few years ago I found myself receiving a large sum of 20k. For details on my financial state, Im not in any bad shape I think. Currently 24 years old making 50k annually working in IT. Havent finished college due to not quite knowing what to pursue. I finally paid off my car so I only have about 500 bucks in credit card debt combined with two cards. I dont know if it helps, but my credit score is 771-783 TransUnion Equifax according to credit karma.The reason Im asking what to do is because while I have no real debt to pay I dont want to be foolish with any of what Im receiving, but I have no idea what to do with any of it. Do I invest? Do I save it with a bank with high dividend? If so, where do I save it? I do want to use some of this for classes, whenever I figure that out. However, I want to put myself in as food of a place as possible. Any assistance would be most appreciated!  <response>: Pay off your credit card debt.Build an emergency fund.Saveinvest for retirement.Set aside money for goals less than 5 years out e.g. money for classes in a high interest savings account or CDs rather than investing it. 