Windfall paralysis: "I have $90k / $200k / $9k and don't know what to do"
Pain point
Three separate posts are the same question at different zeroes — a sudden lump sum and no framework for the pay-debt vs. emergency-fund vs. invest decision. These people are maximally vulnerable to the high-fee advisor in #1 precisely at this moment.
Signal
Strong by repetition: 294 upvotes ([#2](https://www.reddit.com/r/personalfinance/comments/1x4ip6n/i_have_90k_not_sure_what_to_do_with_it/)), 432 ([#1](https://www.reddit.com/r/personalfinance/comments/1x4j2xr/had_some_money_to_invest_gave_it_to_an_advisor/)), and a low-engagement but identical [#8](https://www.reddit.com/r/personalfinance/comments/1x4zcf9/need_advise_on_whether_to_pay_off_or_invest/). The community's answer is an automoderator wiki link — i.e. the solution is a static text file.
Opportunity
An interactive **Windfall Decision Engine** — answer
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