<human>: Recently my gramps passed away and I was told to expect an inheritance. I figured I would make out like a bandit with 1k, so when my mom sat me down and handed me the envelope I was shocked to see a check for 25k usd. 

So a little about my situation:

* I have an AA degree with no student loan debt
* My fiancee has a BS with no student loan debt
* We've been living paycheck to paycheck with help from parents for rent. No savings to speak of.
* I have ~2.5k credit card debt
* We just relocated back to hometown after school, rent is 845 + utilities (currently parents are paying this)
* I'm starting a new job that pays $9-10/hr on Monday, she is still job searching.
* Mom payed for 6 months of car insurance for me before gramps passed, we had agreed I would pay 1/2 of it back when I could.
* Fiancee is on her parents auto insurance.
* I was in an auto accident in late 2013 and was not working steady jobs because of my back injury (hence needing so much parental support.)
* We have an awesome dog :)

We agreed with our parents that their financial help could help us get on our feet. No strings attached, just get jobs and eventually take over the bills from them (sooner than later hopefully.) We were kind of in a bad living situation and didn't have the means to get out and find a place of our own, on our own. 

So here we are, what do?

* I've researched Roth IRA's and Traditional IRA's, and am leaning towards a Roth, is this a wise choice?
* I want to set aside at least 5k for an emergency fund.
* My debt is to Discover, which also has online savings at .95% interest vs the rest.
* I also have an Ally banking account, with about 15 bucks that's been just sitting there for a year or two. I know their rate is 1.0% on interest in their savings?

Can you condense the text into a few key points?
<bot>: Thought I was getting 1k inheritance, got 25k, 2.5k in debt, want to be smart about it and help it grow, not be wasted.