The first thing I would do is pay off every bit of debt that I have (which is thankfully not very much) and pay back anyone who has ever loaned me money (HI MOM!!! :-) ). Then I would automate ALL of my bills so I wouldn’t have to EVER look at another piece of paper saying I OWED something. After this I would fix/add/upgrade everything that Liz and I have been putting off because we lacked the financial resources (hardwood floors, anyone?). This would be STAGE 1.