<human>: I found out today that a Life Insurance Trust that had been set up after my mother passed away will be distributed to me on my 25th birthday. 

Being as this is going to be a completely new experience for me, I was just curious if any fellow redditors could offer any advice or interesting ideas.

Some background information if you're interested:

* I am employed.  My income isn't great, but it pays the bills.
* I don't have much debt, but that will be the first thing I take care of.
* I have absolutely no idea what to do with such a large sum of money.

Give me a shortened version of the text
<bot>: You're gainfully employed without any debt and you find out you'll be receiving $130,000.  What do you do with the money?