This may sound morbid, but it is wise. I'd prepay and arrange my husband and I funeral arrangements. I'd hate to leave that undone at my passing, leaving such a burden and question as to what should be done. Then of course pay off all debts, buy a nice home, upgrade our vehicles and donate to animal organizations such as ASPCA. We had discussed that if ever we had a large windfall that upon our deaths all assets and remaining funds are to go to animal rescue and research for a cure, not just treatments, for AIDS and Cancer. During our life we'd obviously donate to the charities we feel close to such as Hospice and animal shelters.