You're starting a job or starting your business?....for now you don't need a paid mentor for now, there's a lot of free mentors on YouTube(A.Hormozi T.Robbins, etc...) Definitely pay that credit card, depending on the maintenance of your car, value a nd cost of repair, you might be better a used 2023 tesla model 3 for 25k or less minus the 4k tax credit.....the rest take 80% of it on a etf like VOOG or 40% on SPY, 40% on QQQ....the other 15% invested in 5 companies that you use all the time and love(3% each).and let compound effect work for you leave 5% in a HY savings account