I got a $20k signing bonus and immediately used it to pay off credit cards. I don’t regret it, but now I have nothing to show for it. Do you use windfalls to splurge, invest, or fix the mess first?

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I don’t think you have nothing to show for it! You have no credit card debt—that’s a huge win. I typically use my bonus to max out the rest of my retirement and while I’m a little bummed that my bonus is less, it’s always nice to see my retirement account get a nice bump

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