Buy a car, finish paying off a loan, get a shed and greenhouse in the back yard, some landscaping

That’s easy. Heat pump & bathroom remodel.

Student loans… Oh wait.

Put it in retirement accounts.

Skidsteer, beep beep motherfuckers.

Gold.

I’d use it to pay my mortgage. That would bring me down to like $6k (bought this place a long time ago on foreclosure, so it was cheap but it’s a piece of shit place, so tradeoff). I’d then just pay the remaining 6k from savings and have zero leftover savings (but that would replenish eventually), and be done with it forever. That would feel amazing and take a lot of stress off my fixed income situation.

We could really use a second vehicle. I want one of those Japanese trucks with the tiny engines and folding truck bed. Good on gas and can still haul things around for diy projects.

Anything left over would go to a GoFundMe or a Gaza aid relief. If I already had that second vehicle id probably donate half and invest the other half into gold, for emergencies.

I’d spend about $3k on something unreasonable like a bottle of scotch. Or maybe several $500-750 bottles I will actually drink soonish so I don’t end up never opening the $3k bottle always waiting for the right time. I’d also get my wife a nice bag in a price range she would rarely get for herself, so another $2-3k. The rest would go in my brokerage.

My 40,000 of debt probably

On corrupt politicians to ban the AfD

Sounds about enough for a decent down payment on reliable vehicle. Then I would still have to pay off whatever is left and make insurance payments and licencing tax, so ironically if I magically made 20k, I would end up spending more than solving anything.

Motorcycles. Like 5 or 6 motorcycles.

I volunteer at some food pantries, and they could really use the help.

Health insurance