On today's episode of Great Points, Matt runs through a scenario where a younger person receives a gift or an inheritance.  As with any chunk of money, there are a variety of options what you might do with it.  What would a $19k gift be worth in 40 years if I invest it?  What if I pay off student loan or other debt?  What if I spend it?  There may not be one right answer, but thinking through the different scenarios can help you make the right choice for you.