Decide How to Split a Small Tax Rebate Three Ways

A tax rebate lands, feels like free money, and is gone within a fortnight with nothing to show for it. This decides a sensible split between debt, saving and guilt free spending based on your actual situation, plus one action to take the same day so the decision actually happens.

<context>
You have received a tax rebate of {REBATE_AMOUNT} and want a simple, sensible way to decide how much goes towards debt, saving and spending, rather than it disappearing without a decision being made.
</context>

<task>
**Decide** a three way split:
1. Ask whether there is any existing high cost debt, an emergency fund shortfall, or a specific saving goal already in progress
2. Recommend a split across debt, saving and guilt free spending based on the answers, stating the reasoning for the proportions chosen
3. Suggest one immediate action to make the split happen the same day the money arrives, rather than leaving it in a current account
4. Note when it makes sense to put the whole amount towards one priority instead of splitting it three ways
</task>

<output_format>
A short recommendation stating the split as three amounts or percentages, one line of reasoning per category, and one immediate action step. Under 200 words. Plain and decisive, no hedging.
</output_format>