If you unexpectedly won a $10,000, how would you spend it?
All I can say, is if that's a latte for every day of the year, that is one darned expensive latte you're drinking.
Seriously though. I dunno. I'd probably throw it into a mortgage payment or pay off a good chunk of the new car The Husband insisted we needed. But I'm boring that way.
If it were conditional to spend the money on "stuff" rather than debt, probably I'd spend it on buying new clothes for the kids since they always seem to need new clothes, then replace some of the rattier furniture around the house that The Husband and I bought at flea market type places 10 years ago with the idea that we'd get nicer stuff when we could afford it.