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I'm new to this particular discussion board, please bear with me here.

I have always cleaned up my credit reports and credit problems in the past. But, now that I'm reaching mid-life my concern is this:

Four years ago my credit debit was as high as $15,000.00. I came $50,000.00 in cash, paid off all the credit cards, refinanced my condo, paid off the car payment and furnished my entire place. Also, I took a year off from working. Four years later, I am back again with $15,000.00 in consolidated debt., inwhich I pay $300.00 month for the next 5 years or so at a rate of 10.99%.

Now, the dilemma I have is that I am coming into more cash from an inheritance of about $25,000.00. I currently do not have any 401K or Ira income. And, everyone advises on paying off credit/consolidated loans first and foremost. But, since I cannot help myself and will probably always carry credit card debit until I die. Should I just take the $25,000.00 and invest it (long-term) into the stock market since prices are rather low right now. And, allow that cash to build long-term over the years. A little confused without security. Thanks.
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