“I have a retirement fund through work, which is in fairly good shape, but had to reduce contributions this past year because of increasing costs.” (Photo subject is a model.) - Getty Images/iStockPhoto Dear Quentin, My mom just gifted me $10,000 and I’m stumped about my next move. I’m 55, female, single, make $78,000 a year and live in Oklahoma. I have no kids. I have $60,000 left on my mortgage (with a 3% rate) and $15,000 on a car loan (8% rate). I also have $1,000 on a credit card, which will be pai ...