First and foremost, tithe (which would probably pay off the mortgage on the church since we are quite small). Then I would buy a nice size house in a nice community near where we live now. I would pay off my son's and his wife's college loans and mortgage and fund college funds for any grandkids. Donate to breast cancer fund in my mother's name. Donate to abused women and children. My husband would want all the latest tools, etc., and I would have the grandest sewing room in the State of Georgia, building it up as I shared my wealth in that area with my BF. It's a lot more fun when you can share. Investment counselor and housekeeper are also a must. Of course, I haven't thought about this much. LOL