What do I do with my inheritance?

What do I do with my inheritance? My dad passed away leaving a small inheritance to my sister and I. Under 100k each. One lump sum life insurance policy and an annuity that will pay every month over the next 28 months.. I am a 33 y.o woman I bought my house in 2012 & refinanced a few years ago to pay off student loans and lower interest rate on my mortgage (3.25%) No major outs...

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