I would do IVF like RIGHT NOW.
I would pay off our house and our debt.
I would pay off debt for my parents and my brother and probably his longtime girlfriend too.
I would set up a college fund/trust for my stepson.
I would quit working and spend all the time I could with my family.
I would travel.
I would volunteer.
I would buy all the things on my house “wish list”
Or possibly buy most of those things and move into a new slightly larger house.
Plan an all-expenses paid week with my besties at a super awesome location…..like Italy.
Too bad I don’t play the lottery.