I'm retired so my desires for spending money would be different than young peoples ideas. I'd pay back those from my past that I never said thank you to via a gift (of money). I'd put some into trust to be loaned out. I'd pay any taxes on the money if that were required of me. I'd use some for the last years of my life, for a plot and such, medical bills I'd probably have. With the rest I'd give to my church and the animal shelter.