Generate a full detail guide on how to strategically use a financial windfall (like a bonus, inheritance, or tax refund) to pay off debt. The guide must be a strategic decision-making framework. It should include sections on: 1. The crucial first step: Pause and make a plan. 2. A framework for deciding how to allocate the money (e.g., debt payoff vs. emergency fund). 3. A guide to applying the money to your debts for maximum impact using the avalanche method. 4. How to handle the emotional and social aspects of receiving a windfall. Please include a disclaimer to consult a financial advisor.