I am closing on the house left to myself, and two other siblings in just two days. I am expecting a rather large sum. My question is this, short of getting a trust, since I have not "officially" been put on disability yet, if I spend this money quickly (I have many debts, and past due bills and possible liens.) will I be ok as far as my benefits are concerned? If there is anything remaining I plan to put it in an IRA. Is this a good idea? Also I do NOT plan to put this money in any type of bank account. I do not want to do anything illegal but I desperately need this to pay off my debts and more so need my disability. Please help!!! I appreciate your timely response and consideration into this matter.