‘This feels like an opportunity’: I’m 55, earn $78,000 and have no kids. My mother gave me $10,000. What should I do?

‘This feels like an opportunity’: I’m 55, earn $78,000 and have no kids. My mother gave me $10,000. What should I do?
“I also have $1,000 on a credit card, which will be paid in full next month.”