What would you do with ones years income?

[vetran]

A night of unbridled passion with NLyUK - you would acquire some experience (and nasty little rashes) that stay with you for a lifetime?

Buy a bedsit over a kebab shop?

[WTFH]

Invest the money in time with the people who matter to you.
Life isn’t just about making money, life is for living. Go on a safari in Africa or a yoga retreat in Vietnam, maybe look at doing a 3 month sabbatical with VSO.

[swamp]

Overpay the mortgage.
Go on nice holiday(s).

[GregRickshaw]

Spend 98% of it on wine, women and song. The rest of it you can waste.,

[northernladuk]

One option is to post on an internet forum full of anoymous posters to wave your dick around and listen to the dreams of your peers.

[darmstadt]

Do what I did...

[ladymuck]

Many moons ago (about 18 years or so) I ended up with a wodge of cash in the bank when selling one property and buying another because I sold for more than expected.

I chucked it all in a savings account, drawing down what I needed to cover the bills each month, quit work and did a full time college course that helped me get into contracting. I couldn't afford to live an extravagant lifestyle but I had no debt (other than my mortgage) and all my bills were paid.

I needed to get a job after about 9/10 months, which is what I expected, but the time off from work to focus on study did me the world of good.

[Fraidycat]

If you have a microphallus, you could buy one of these to compensate:

[Paddy]

Overpay the mortgage.
Go on nice holiday(s).

Overpayment of a mortgage may not reduce interest. What often happens is that overpayments are kept in a non-interest holding account. BTW, on most mortgages, the day of the month for payment also makes no difference to interest so therefore it is always best to pay on the last day of the month. Read the small print.

[SueEllen]

Overpay the mortgage.

Depends if he can get more in savings interest than what he's paying on mortgage interest.