I wouldn't really need a ton more to do it, either. An additional 100k in my pockets would take care of 90% of it.

The debt payments and house repairs would free up more income (lower electric bills, no more student loans) to put into retirement. The newer cars would need less maintenance than my 14 year old car, but insurance and property tax would probably be higher, so I'd expect a net wash.

More than that, I'd end up spending mostly on things I don't really need, so I should either save it or give it away.