Take free money. No matter how in debt you are if your employer offers a matching contribution on a 401(k) or other retirement vehicle you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus.
Anyone who wants to sell you overnight success or wealth is not interested in your success they are interested in your money.
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I don't know what to do with it. I'm very fortunate to have it and it gives you room to maneuver. But the main thing about having money is it means you don't have to worry about it. And that for me is a lovely thing. It's not for fast cars and hookers.
