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definitely vacation home.
I would pay off my loans by a loft in Tribeca and buy a Jeff Koons piece.
I'd help my parents retire, figure out how to invest, um, and by home, I pay off my parents mortgage and outright by my leased car, I would buy a home and pay off my credit card debts.
I'd immediately buy a house, pay off our house, my second home, and I'd pay off my parents vacation home.
A few properties in college towns.
I would donate it all to my old neighborhood.