I love these kinds of thought experiments. Like you said, I would first pay off credit card and student loan debt, about $33,000 for me. That leaves $67,000. So then I'd beef up my savings to $15,000 (5-6 months expenses) which would leave me at $52,000. From there I would probably split it in half and give half to family/friends/charity, and invest the rest! That's just my first thought. Thanks for writing!