The only debt I have is in my mortgage, and I probably won't spend half of this money on paying that off. I'd probably throw like 20k into it, give me some monthly payment relief, but leave that mortage debt at the low rate I already have on it. Instead, I'd buy myself a nice car, I am needing one soon enough and instead of getting say a new Civic, I'd get a nice luxury vehicle probably. I'd take most of the money though and invest in something. Not sure what, I'd have to research, but put the money somewhere for it to grow because I don't really need it, nor is it a life changing amount, but it should make my future easier in terms of retirement. Continue life, but know I am safe for when I am ready to call it a career.