£180,000 may sound a lot to you pillj but believe me, it is peanuts and will certainly not buy rental properties. As chas says my priority would be to pay off the mortgage and as many outstanding debts as you can. The money will soon dribble away if you don't. My husband had a small amount left him by one of his aunts. He bought our house with it and now after very many years I am still living in it. I am a pensioner, but one of the better off ones who does not have to worry about bills, but only because the main bill, the house, has not had to be paid for over the years allowing money which would have to be spent that way to accumulate. Hope I have made myself clear. Mainly, take care of it or you will look around one day and wonder what happened to it and where it has all gone.