Firstly, pay off the DC's mortgages and top up their bank accounts; buy a pied a terre near two DD's in the South of England and another near DD in Oz to which I would travel 2x a year, first class of course. I would hopefully, in the absence of a husband, handy or otherwise, be able to afford to employ a handy-person when required to sort out all the problems which come with property..... I would also give to charities both at home and abroad. So long as I have enough to get me from A to B and to afford a few luxuries along the way, that would be good.... - Oh, and enough to pay for my care once I am past it 