I don't have to use it right away, this is true. I do have my goals stretched thinly at the moment, maybe because I'm breathlessly scrambling to catch up from daycare expenditures.

If I chose to be influenced by Liz Pulliam Weston, I would use most of it on the Roth IRA and the emergency fund.

If I chose to be alarmed by my home's dropping value, I'd replace the garage door or pay someone for weeding and mowing.

If I chose to be motivated by sustainability, I'd buy a new refrigerator, and a chest freezer, and some bicycle accessories.

If I chose to be rewarded by instant gratification, I would divide among the bathroom, garage door, and IRA contributions.

If I chose to be governed by the PC, I'd buy a new printer, personal finance software, firewall software, and a flat panel monitor.

Decisions, decisions...
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I have a garden. I mailed a cheque for $822.20.