I am trying to get my life a little bit better together. Unfortunately I need some outside insight and some advice.

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I will probably be getting what I would consider quite a bit of money from a settlement. Before anyone goes on about the time line and the ifs and buts, I know all this. I am trying to think positively and planning for the best but expecting the worst.

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So now that that is out of the way I am trying to figure out the smartest way to invest in my future and get what needs to be done, done.

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I would say I will have 60k. (It could be more but I am trying to be very realistic)

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Here are my options and very rough estimates of what they will cost.

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Debt (school, car,credit cards, medical) 38k

Other schooling- 10k (Certifications and such my FAFSA/grants/scholarships won't pay for)

Dental implants - 15k (IF I get it all done, but there is the option of getting single implants)

New car (will trade in the current after paying it off) - 30k (I want to go electric because of where I live and the quality of car. I am thinking the base model tesla as they have the most charging stations and are known to be good quality.)

Down payment on house/buy small house outright- 40k (Yes, there are move in ready small houses for this price or I could get a mortgage)

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As you can see there are a lot of options and they all have pros and cons!

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Debt of course if paid off will raise my credit score. It will lower my debt to income ratio and could allow me to build my credit. I am not sure if it will help or hurt my credit if I pay off everything or if I leave 30% of the credit on the cards. Which if I calculated correctly would be around 2400.

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The other schooling could help me further my career and allow me to take classes that are on subjects I could really use for my future. A lot of them are certifications from schools outside of my state so I don't get as much, if any for these classes so I would have to pay out of pocket. I estimated a bit high but I think better over than under.

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Dental implants, well, I think they are self explanatory. Benefits include lost confidence and savings for not needing future dentures and everything that those cost. Also, it's medical, so health as well?

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New car, although I already have a car, it's been a nightmare and I have wanted to invest in a new one for over a year. I am still making payments on this one and have about 3 more years until it's completely paid off. If I buy a new car I will be paying off the old one and trading it in for a new one. I would like to get a base model tesla because I live right next to a city and there are lots of charging stations. Overall cost in the future would be less, but the upfront cost would be more from what I understand.

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House, if I buy one, I no longer have to pay rent. There will be no debt since I purchased it outright and can probably live there for 5 years while I work on everything else that needs done.

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or

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I could put a down payment down on a house, probably a small one and have a mortgage instead of rent. This would take over for the rent I have but possibly would be a little more than my current rent payment. BUT I could always get a room mate to offset the cost while I get everything together. (Yes I know the pros and cons to having a room mate)

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Any advice would be much appreciated~