I would work my way through the chart below first and then consult a professional.http://i.mktw.net/_newsimages/pdf/ira-distribution-lowchart.pdf
I would also look at Ed Slott's website (cleverly named IRAhelp.com) and Fairmark.com.
You'll have to first see how you will tap this money, then you can decide what to do with it. There are time limits in which you must start taking RMD's, and if you take the whole kit and caboodle all in one swipe, you may end up with a big tax bill. Start studying up!
I also can't help but comment, if you live paycheck to paycheck, now may be a good time to get yourself together. Otherwise, this may all be for naught!
*PS, it is a PITA to attach a graphic here. Also, I had looked up many good resources for the OP, but I am only limited to one URL per post? I understand this is probably to limit spamming, but can a gal get a little leniency here?
"If you only have 1 year to live, move to Penn...as it will seem like an eternity."
Good to see you back, I was starting to miss your incisive commentary!