What would be the smartest?

What would be the smartest? Hello! I’ve never made a post here, just been a long time lurker. Long story short I am about to receive $18,000 that was unexpected and it will be at one time. I am 27 years old with nothing in savings besides a 401k that started only a year ago. I have around 4500 in credit card debt. I am well aware I haven’t made smart financial decisions ...

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