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Not much. My wife and I have learned to live happily on a modest income, and now, in our middle-late 70s, we’re financially content. We no longer need a budget because our spending patterns are stable. We don’t worry about money because our lifestyle is within our Social Security and pensions, so we use investment income for extras—travel, new gadgets, and gifts. If someone gave us one or more millions, we’d continue living like we do.
Buy more and better seats for live theatre, plus look for a part-time job. I’m not ready to retire completely, but I’d like a bit more free time and a bit less stress. More free time would let me fly to other cities to see more live theatre, too.
Pay off the little bit left on mortgage today. Pay for dental work for myself and my adult son. Have installed in my home a small European type heating stove so if electric goes out in winter can heat home. A newer car.
I’d hire excellent tradespeople to do all the deferred maintenance on my 100-year old house. I would definitely need money-is-no-object to do this.
I have no major regrets, for my life and choices, other than staying in a job(s) and field that I grew to dislike. The job(s) offered great pay and benefits but little satisfaction and a tremendous amount of stress. In hindsight, I should have chosen to leave this profession earlier than I did. I retired early, but some of the job-related stress may have resulted in some PTSD trauma that I’m trying to slowly address.
I would quit my current job and spend those former work hours doing something that I actually love doing. Activities would include travel, cooking, taking classes and engaging in my creative hobbies, just to name a few. I would also volunteer to help others, perhaps in a memory care facility where I learned firsthand that I have a gift for dealing with dementia patients.
I’d probably move to areas and live in a really cool apartment for a couple of years at a time while eating at the finest establishments. I’m not that financially independent yet 🙂
Realistically, I’d probably tone down my ‘keeping up’ of financial markets and allow myself to enjoy travel and socializing more. I keep up with it all just to keep my skills sharp.
If your health is good, give and value it next to a clear conscience for good health is a blessing money cannot buy. Marjorie K.
I Second it!!
Interesting question. After a minute’s thought, I think I would seek first-hand opportunities to improve the existence of other sentient beings, including our planet. I would concentrate on those whose existence is threatened through no fault of their own. Suffice it to say, at seven or eight billion, and growing, humans wouldn’t be at the top of the list.
I’d own a 100-acre ranch in Montana (where I’d spend my summers) and another 100-acre ranch in Texas (where I’d spend my winters).
Why Texas? Yuck.