[Tink]

I've struggled much of my life financially. We've had some really crappy luck with medical problems, our house burning, hubby getting hurt at work and being off for 5 months one time, 3 months 2 other times. Our income dropped by 60% overnight when I found out about my heart problems. It's not that we haven't tried, but we have definitely struggled. NOW we're both finally making good income and life is on the upswing. We will never be rich, but at least we can afford to live modestly without the usual struggle. So I know how it is and would never want to go back.

Because of my own experiences, I would definitely give as much as I felt I could afford to several friends, and family members who have also struggled. I wouldn't be happy with a million $ in the bank with those I love still struggling, so it wouldn't even be a question for me.

I'd definitely pay off our own bills and buy a few luxories, but I'd also make sure I shared the wealth.