You, your spouse, and two children have just inherited $30,000 tax-free from a family estate. You currently have: no savings or retirement; two small credit card balances of $1,200 and $1,650 at 14.99%; an auto loan of $15,350 at 3.69%; and a mortgage with an unpaid balance of $147,500 at 4.25%. If you follow Dave Ramsy's plan in his article "Take control of your money", what should you do with your money?