I would build a memorial garden for my mother that was open to the public.
I would set aside funds for family members to attend college.
I would make a single monetary gift to each of my family members to do with as they saw fit (and when they spent it, they spent it and there would be no more hand-outs).
I would move to a larger house on the coast somewhere and build a fabulous quilt and pottery studio (not in the same room, could you imagine the mess?)
I would spend a serious amount of time figuring out which charitable organizations I would help. If I couldn't find one that really fit my desire, I would create my own. Then I would completely enjoy being able to give something back.
I would not go back to work but would travel the world with my family and hire a private tutor to educate my kids as we lived and experienced the world in all its vastness.
and yes, I would go into my favorite fabric shop and buy as much fabric as I wanted.
Okay, so I would probably do that last one a couple of times...
Oh how much fun is the "What If?" game!