1. gold coins at the local coin shop

2. I clear out the grocery store canned and boxed goods aisles and donate everything to the food bank

There won’t be anything left, I’d take a bit bite out of my debt.

Ill buy a shit ton of gold with it

1. indoor grow setups/storage/fertilizer with the best lights. for both what you’re probably thinking, and for my houseplants.
2. enough wood/other materials for a shit ton of trellising and soil components for my garden next year.
3. If there’s anything left over, I’d donate it.

Define spend. Other people are talking about converting it to stocks, but that feels like cheating, since if you’re already set up for that it’s like a bank account that goes up and down a bit.

I also thought of a used car, since I can definitely spend that much on it today, it’s probably worth about as much tomorrow, and it’s a physical thing that definitely counts as a purchase.

If it has to be things I can’t ever resell, I’d be at a loss. Maybe a bunch of radio kit on Amazon and a good meal.

I’ll donate it all. Nothing left, nothing to lose.

Would have to be cover the roof in solar panels and a battery set-up. Suddenly no electricity bills would be sick, then you add the potential to make money however miniscule instead… With no up front real cost it’s a no brainer to me

Paying less than 20k due to conversion of my 85k UK student loan debt wouldn’t be worth it

I’d buy stock, bonds, or perhaps a lifetime supply of an air freshener. We’ll see.

Something like SGOV until I figure out what to do with it.

3-4% APY sitting around is nice.

A different currency

Pay off debt, no question.

Buy the cheap old beater down the road from me. Pay my truck down and sell it. The rest goes to the house.

I’ve learned reading these comments that way too many people don’t know just how little 20k is.

Index funds

Give some of it to my family and get a used car.