Aside from the requisite comment that everyone has made about paying off debts, which, since you said that you should assume those are already taken care of, I will ignore, I'd do the following:
1. Save it for a down-payment on a house. (That should take up more than the total $20k)
-or-
1. 10 day trip to Portugal. (About $3000) 2. 10 day trip to Bora Bora. (About $5000) 3. Safari in Africa. (About $2500) 4. New Olympus digital SLR camera with lens set. (About $1000) 5. Get both our cars stripped, sanded, and repainted/rust-coated. (About $2500) 6. Renter's insurance. (About $500/yr) 7. Veterinary health insurance (About $300/yr for 2 bunnies. Fuzzface can't get coverage because of pre-existing conditions.) 8. Veterinary Emergency Savings Fund for Fuzzface (About $5000) 9. A new home stereo system with JBL/Harmon Kardon surround sound speakers, a CD changer, Cassette deck, Tuner/Amp, LP Turntable, computer digital sequencing output, etc.
no subject
1. Save it for a down-payment on a house. (That should take up more than the total $20k)
-or-
1. 10 day trip to Portugal. (About $3000)
2. 10 day trip to Bora Bora. (About $5000)
3. Safari in Africa. (About $2500)
4. New Olympus digital SLR camera with lens set. (About $1000)
5. Get both our cars stripped, sanded, and repainted/rust-coated. (About $2500)
6. Renter's insurance. (About $500/yr)
7. Veterinary health insurance (About $300/yr for 2 bunnies. Fuzzface can't get coverage because of pre-existing conditions.)
8. Veterinary Emergency Savings Fund for Fuzzface (About $5000)
9. A new home stereo system with JBL/Harmon Kardon surround sound speakers, a CD changer, Cassette deck, Tuner/Amp, LP Turntable, computer digital sequencing output, etc.