Should I just take the money ?

My grandma died not to long ago and had some annuities. The beneficiaries Are me and a few relatives. I get $35,000 but it’s put into a new annuity for me. My husband lost his kid and we are in some debt. My husband wants me to just cash it out. I would take a $6,000 loss but I would be debt free and have my car paid off. Idk what to do bc I don’t want my family finding out bc I think they would be mad.

Sorry if this isn’t the right room idk where to post this.