The MM answer: Hire landscapers to give us a fresh start (just bought the house, lots of outdoors work needed) or have someone install a hot water heater. Pay off Hs student loan.
The fun answer: pay my deductible & OOP max so I can get a breast reduction. My insurance will likely pay for it, but we have a $3000 family deductible. Buy new clothes to fit new boobs. Take a fabulous trip with the rest.
MM: One of these things: save it, replace roof, replace floors and small bathroom renovation, pay down on the car DH bought that is a POS so we could get rid of it without taking a huge loss (grrrrr)