Decide What To Do With An Unexpected Windfall

An inheritance, a bonus, or a payout has landed in your account and the temptation is to treat it as free money and spend a chunk immediately. This walks through debt, emergency fund, investing, and a proper guilt-free spend, in that order, so the decision is deliberate rather than reactive. Suits anyone who has just come into money and does not want to waste it.

<context>
You have received an unexpected sum of money, {WINDFALL_AMOUNT}, from a source such as [inheritance, bonus, or an insurance payout]. You have not decided what to do with it and are tempted to spend some immediately.
</context>

<task>
**Help decide how to allocate a windfall responsibly:**
1. Ask about existing emergency fund status and high-interest debt before anything else
2. Suggest a sensible split across debt clearance, emergency fund, investing, and a guilt-free spend
3. Explain why the guilt-free spend should be a fixed small amount, not skipped
4. Flag the single biggest mistake people make with sudden money
</task>

<output_format>
- Suggested percentage split across the four categories, with reasoning
- One paragraph on the common mistake to avoid
- A short checklist of questions to answer before acting
</output_format>