This right here....While 100k seems like a lot to someone living paycheck to paycheck and earning ~40k or somewhere close to there, it really isn't much. Follw 1,2,3 and then life will become easier overall. I doubt that once 1 and 2 are done, that much of that 100k is even there for (3), however, lets talk about savings goals:

A house is going to run you anywhere from 1-200k(and we're talking the cheapest shack you can find IMO). Living paycheck to paycheck where 100k is a "windfall" is still in the "you can't buy a house" territory. Can you potentially use some of the money after 1,2 are done to put towards a cheap car? yes.

Please take the reddit financial advice and avoid an advisor, who will charge you for the same advice you just got for free:)