What to Do With a Windfall

A windfall is one of the rare moments you can change your financial position in a single move — and the moment people are most likely to blow it, because the money arrives with an emotional charge and no plan. This playbook turns "I suddenly have money" into a calm, ordered sequence of decisions. Your AI agent becomes your windfall chief of staff: it parks the money in a high-yield account before any spending, computes the real after-tax number, builds an allocation plan in strict priority order (emergency fund → high-interest debt → investing → a capped 10% of fun money), and automates the follow-through so the money goes where it belongs before enthusiasm fades.