Could someone please help with the questions pertaining to the below situation. Thank you !

"Nina Resendiz, age 23, recently received a $12,000 gift from her aunt. Nina is considering various uses for these unexpected funds including paying off credit card bills from her last vacation or setting aside money for a down pay-ment on a house. Or she might invest the money in a tax-deferred retirement account. Another possibility is using the money for technology certification courses to enhance her earning power. Nina also wants to contribute some of the funds to a homeless shelter and a world hunger organization. She is overwhelmed by the choices and comments to herself, "I want to avoid the temptation of wasting the money on impulse items. I want to make sure I use the money on things with lasting value."

1.What are the main financial planning issues that need to be addressed?

2.What additional information would you like to have before recommending actions?

3.Based on the information provided and your assessment of the situation, what actions would you recommend?