I would invest the money and have the reserve not to ever touch it unless it was being transferred to another investment. That is precisely what I did about six years ago when I started earning money with Fusion cash. I have yet to spend a single cent on anything but investments and, last year, finally made it to the point where my returns (dividends, interest, stock appreciation) were considerably higher than all of my efforts on the internet. This hasn't stopped me from continuing to pursue every penny that I can. Fusion cash has taught me the value of every penny and now I have a nest egg that is producing cash with out my having to check on it each and every day.