If millennials were to come into a sizable sum of money, over 40% of them would use it to pay down debt, according to a new report from Goldman Sachs.

Paying down debt trumps all the other options, such as putting it toward buying a house (~17%), investing it with the help of a financial adviser (~15%), or spending it on vacation or leisure (~10%).

It's notable because things like buying a house or investing one's money are more about moving forward in life, while paying down debts is just trying to get back to zero.