Decide How To Split A Windfall Sensibly

Money that was not there before has an odd habit of disappearing without you deciding anything on purpose. This lays out a sensible split across debt, savings, investing, and one guilt-free spend, explains the reasoning in order of priority, and flags anything worth checking with a tax adviser first.

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You have received an unexpected {WINDFALL_AMOUNT} from [an inheritance] and want to decide how to split it before it disappears into everyday spending.
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<task>
**Help decide how to allocate the windfall:**
1. Suggest a sensible split across debt, emergency savings, investing, and one enjoyable spend
2. Explain the reasoning behind prioritising each category in order
3. Flag any immediate tax or reporting consideration to check
4. Give a simple percentage-based recommendation to start from
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<output_format>
- A short reasoning section on priority order
- A percentage split table across the four categories
- One line on anything to check with a tax adviser
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