My mother passed away and I want to smart with my inheritance. Please help

My mother passed away and I want to smart with my inheritance. Please help so my mother passed away and left me 80k in an Ira account. Her home was transferred to my sibling and I without need for probate court. There is a mortgage with about 70k left on it and about150k in equity. I have about 12k in credit debt but own my vehicles outright. I have been paying off what debt I can and living very tight for a while with...

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