When my mother died, and we (the kids) got our portions of her life insurance, I sat down with my Dad to discuss how best to deal with the money. What to do? Of course, paying off the debt. Once that was done, I was conflicted - should I bank it? Invest?

My Dad said, and I'll never forget it, "DJ, your mother never saved a penny in her life. She would want you to spend it on something fun or frivolous. Go bring some fun into an otherwise terrible year."

So I did. But I would give it all back to have my mum to talk to. *hugs*