The boring but truthful answers of “I have bills that can easily soak it all up without an issue (mortgage, student loans, car, etc)” have been said, so assuming I cannot use it to repay any debts, and I have to make actual new purchases, I’d buy things that I could pay for now but enjoy for a long time. 3-year VPN plan, multi-year phone plan, gift cards to restaurants (especially with a bulk discount like at a Costco), etc. Upgrade my cockatiels to a cage that goes wall to wall with real plants hanging out and all that. The little things that cost enough that I don’t get them but not enough to be a life-changer. Probably be a good amount left, I’d get a moped or electric bike of some kind, and I’d upgrade my laptop to a stupid powerful one.
Debt.
Out of curiosity, how low would that dollar amount have to be for you to opt to spend it on something else? Would it still go to debt if it was only 1,000 or something?
It’d have to be less than a hundred for me personally. A grand less debt? That’s a nice feeling
Yeah, paying off loans.
Alternatively and less boringly, upgrade my desktop and peripherals, new laptop for me and my wife, get nice homelab/server stuff, smart home stuff/sensors, surround sound system for my family room and office/gaming room, proper furniture for my office, new matresses for almost every bed in the house. That would most likely eat most of it, give or take ~$2,000.
Debt, then idk. Maybe a burger or something?
Hookers & blow!
$20,000 worth of low-fee S&P 500 index fund
Invest it/ simply convert it to another currency
