You should cross post this on /r/personalfinance It's a great community and they have a wiki article on just this https://www.reddit.com/r/personalfinance/wiki/

You should cross post this on /r/personalfinance It's a great community and they have a wiki article on just this https://www.reddit.com/r/personalfinance/wiki/windfall https://www.reddit.com/r/personalfinance/wiki/windfall