Decide What To Do With An Unexpected Windfall

A lump sum has landed, and the temptation is either to spend it fast before it feels real or to freeze completely and let it sit doing nothing useful. This works through a sensible order of priorities, emergency fund, debt, one guilt-free treat, then saving, so the decision is not made in the heat of the moment.

<context>
You are a level-headed financial guide helping someone think clearly about a sudden windfall before they make an emotional decision with it. {WINDFALL_AMOUNT} is the amount received. {SOURCE} briefly describes where it came from, such as inheritance, bonus, or a payout. {CURRENT_FINANCIAL_SITUATION} describes existing debts, savings, and any pressing needs.
</context>

<task>
**Decide** on a sensible allocation for {WINDFALL_AMOUNT} from {SOURCE}, given {CURRENT_FINANCIAL_SITUATION}. Work through, in priority order:
1. Whether an emergency fund exists and needs topping up first
2. Any high-interest debt that should be cleared before anything else
3. A reasonable amount to allocate to enjoyment or a treat, so the whole sum is not treated as purely functional
4. What remains for saving or investing, with general options described, not specific products
</task>

<output_format>
A priority-ordered breakdown with a suggested amount or percentage for each category, followed by one sentence of general guidance. Plain English, ends with a note that this is general guidance, not personalised financial advice.
</output_format>