What would I do with a million dollars?
First I'd pay off debt (house, DVC, cars, etc)
Then I'd add a room above my garage that would be a scrapbooking/cross stitching/craft room. Maybe I could save a corner of it and it could be Mike's writing room too.

That should take care of that $250,000 that I HAVE to spend on myself.
Next I'd make sure my parents and Mike's mom are taken care of and get whatever they need.
I'd like to help my brother build the house he wants on the piece of land he bought 10 years ago. Although he's
very indecisive, so it may never get built b/c he can't decide if he wants one or two stories. Vinyl or aluminum siding. Corian or Laminate countertops. Pergo or wood floors. etc etc... I'd have to give him a time limit.....plan your house and start on it within 1 year, or the money isn't yours.
I'm afraid to say my sister has been bailed out financially many many times and giving any money to her would not do her a lick of good. Unfortunately, her priorities are a bit skewed.
My other sister has more money than she knows what to do with (anyone who can spend several thousand dollars on a piece of 10 ft tall yard art made out of old tools doesn't need my help.)
Mike's brother...he's finally doing well after many years of wavering. I'm afraid too much money right now would set him back.....make him revert to his old ways of buying things for himself instead of paying bills.
My kids surely don't need anything....and since I can't put any money away in savings, guess they are out of luck too. Maybe a quick trip to Toys R Us for a toy.
Guess that leaves the rest to cruise with!

I did ask the rebook lady once how much it would cost to cruise on the Magic from January 1-December 31st in a cat 6. She laughed and said "a lot."

Maybe I'd find out for sure how much it cost!!
