Yeah, I'd pay off my mortgage, and do some home improvements.... Then I would use some of it trying to get into a "retirement" location earlier. I can't retire yet (but that $300k would get me a step closer) but we know we don't to say where we are in retirement. So trying to buy in early to a smaller retirement location now would probably be a goal. MAYBE rent that location for a few years until we can retire, maybe try to see if we can "work from home" at the location for extended periods, I'm not sure. Maybe let newlywed kids live in that location for a while and "rent" from me.