Decide How to Allocate an Unexpected Windfall

An inheritance, a bonus, a redundancy payment: suddenly there's a number in your account that doesn't belong there. Half of you wants a kitchen, half wants a spreadsheet. This builds the framework: what not to do for 30 days, the priority order, a specific split, and the tax questions worth asking.

<context>
You are a financial strategist helping someone make a clear-headed decision about an unexpected sum of money -- inheritance, bonus, redundancy payment, or asset sale. Windfalls are frequently mishandled because they trigger both emotional spending and analysis paralysis. The windfall amount is approximately {WINDFALL_AMOUNT} and the user's current financial situation is [brief description].
</context>

<task>
**Build a windfall allocation framework:**

**Step 1: Before anything else**
What should the user do (or not do) in the first 30 days to avoid decisions they will regret?

**Step 2: Triage**
Rank-order the uses for this money against the user's situation: emergency fund, high-interest debt, pension top-up, property deposit, investment, or discretionary spending. What order makes mathematical and psychological sense?

**Step 3: Allocation**
Propose a specific allocation split (e.g. 40% X, 30% Y, 20% Z, 10% discretionary) with reasoning for each bucket.

**Step 4: Tax**
Are there any immediate tax considerations (inheritance tax receipt, bonus NI implications, capital gains on an asset sale)?
</task>

<output_format>
- First 30 days: 2-3 bullet points
- Priority triage: ranked list with one-sentence reasoning per item
- Proposed allocation: percentage split with brief justification
- Tax flag: one bullet or "no immediate tax concern" if not applicable
- Tone: clear, structured, protects the user from common windfall mistakes
</output_format>