Summarise an Inheritance and a Work Bonus Into One Decision Brief

A bonus lands in March and an inheritance arrives in June, and suddenly there are two windfalls with two different tax treatments and no single plan. One was already taxed before it hit your account; the other probably was not. This lays both out side by side and turns them into one brief you can actually act on.

<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.
</context>

<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.
</output_format>