Alan B., 59
Stillwater, Minn.

“It’s not very practical, but I would buy a boat. I’m sure my wife would have something different in mind, but I think I could wear her down given enough time. What a nice thing to retire with… It could be very ?On Golden Pond.’”

Corrine K., 60
Rancho Cordova, Calif.

“That’s easy. I would start a college fund for my only grandchild. I wasn’t able to put much money toward our son’s education when he was going through school because of some health issues, so I’d like to help out now any way I can. And, college is just going to get more expensive every year, so who knows what a four year degree will cost in 15 years.”

Gloria Z., 63
Lubbock, Texas

“Travel! If I had $10,000, on the first day of my retirement I would be on a plane to Australia. My husband and I have always wanted to go there – we traveled through Europe for our honeymoon, which was a long time ago – but don’t want to take money out of our savings to do it.”

Harold L., 68
Sioux Rapids, Iowa

“If I had an unexpected chunk of cash come my way, I’d have to resist temptation and put it away. I’d probably invest it in a mutual fund or a money market and see where it goes. Of course, in a perfect world I’d use that money to restore one of my old Mustangs, but I don’t think the wife would go in for that.”