If you had 100K hypothetically

[catch.and.fillet]

I would prefer a balance between paying debts and investing for income and investing period. Pay $33,000 toward your highest interest loans (Credit card, car note, boat note, house note, probly in that order), put $33,000 in an investment that immediately pays something back (rental property balancing rent against note or a business), put balance in long term blue chips and bonds.

Only adjustment is to get those ccards, car notes, and boat notes paid off whatever the amount ASAP - those are depreciating assets.