Feel free to break it down. It can be frivolous or sensible.
Inspired by this question: https://www.girlsaskguys.com/other/q2041877-be-honest-would-you-return-the-money-or-keep-it
Most Helpful Guy
I would reduce my HELOC by 10k.
If I had to spend it, i'd spend some on a family vacation, and some on replacing some stuff in our house that's getting old.
If I had to spend it on myself, I'd spend it on clothes and perhaps a watch.2