Financial gurus here?

pikewi said
Roll the 22k into an IRA. No tax ramifications

Bingo. Roll it over and let it make money for you. I had the same thing. Little less money and I rolled it into a IRA.

Even get taxed down to 15k I'm pretty sure at tax time you'll have to claim it as income too whick can have ya paying (or paying more) at tax time.

I'm far from an expert though.