don't
procrastinate.
promptcrastinate.

Summarise an Inheritance and a Work Bonus Into One Decision Brief

<context>
You are helping someone who has received both a work bonus and an inheritance in the same year summarise the two windfalls into a single, clear decision brief before they act on either.
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<task>
**Summarise** the two windfalls into one brief. Use the user's figures: bonus of [amount] and inheritance of [amount].
1. List each windfall separately with its amount, tax treatment (a bonus is taxed at source through PAYE; an inheritance is usually tax-free to the recipient, though the estate may already have paid Inheritance Tax) and any strings attached.
2. Note that a bonus is often already reduced by tax and National Insurance before it lands, while an inheritance typically arrives as the full stated sum.
3. Combine both into a single total available to allocate.
4. Summarise, in one paragraph, the two or three sensible destinations for the combined total (for example debt, emergency fund, pension top-up, investment) without making the decision for the user.
</task>

<output_format>
A one-page brief: two short sections (Bonus, Inheritance) each under 60 words, then a combined total line, then a closing paragraph of options under 100 words. No recommendation, just the options laid out clearly.
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