What would you do with the money saved from not smoking over  a three month period?
543806
Donate it to the Childrens' Cancer Fund
1159799
Wait until you become an adult!  Enjoy those long extended three months while you can.
1020732
work, save and invest.  if you want money go to where the money is.
487074
Make sure you surround yourself with support from before your quit date arrives.  I found online forums most useful as we were all experiencing the same thing.  I'm proud to say I'm now over 3 months quit.\n\nGood luck with it and below I've provided a link to one of the great sites I found most helpful.
427969
I would give it to my parents to save up for their retirement my dad works in construction and he has no 401k or any kind of plan for retirement when he can no linger work that's it for them they are just gonna live on social security checks which we know is not enough to live on...I know that 50gs is not enough to live on for a long time but its a start better than nothing.
856046
absolutely not, unless i needed it for electricity or food or medical expenses. because:\n\n1) insanely high interest rates\n2) digging a deeper hole\n\nyour best bet is to cut back expenses temporarily that aren't absolutely essential (cell phone if you have a land line, downgrade cable packages or eliminate all together, stop eating out at fast food or restaurants, take public transportation, buy less expensive food, etc.). alternatively, buy less expensive christmas gifts. when your situation improves, then you can adjust accordingly.
1152710
How about investing it in your first mutual fund, then adding to it as often as you can?  Then you can retire a millionaire instead of retiring as a poor man.
234432
Try getting a job and saving the money.
498973
I would take it over the 30 year period. You get more and you know you'll be set for at least 30 years...so you don't go crazy and spend everything within the first year. \n\nFirst, I would get a layer, financial advisor, a very nice house and a car. Then give some to my parents and grandparents, charitable causes and invest the rest. \n\nThen I would travel to the United Kingdom, Europe, Austalia and make my own archaeology excavation in Egypt. Well, that's what I would do.
672516
Stop spending, cut your spending.\n\nPlan a budget, and save.
475214
It can be done, but take a good hard look at the situation first.. are you close to retirement?  Will you invest that $400,00 in such a way that that will not need to work any more?  that kind of money won't go far in this day and age.  Don't forget you'd also be giving up medical, commissary and exchange bennies as well as access to MWR facilities.
942958
Invest it and draw out 1% less then you return is. At a return of 8% that would be an extra $ 70.000.- a year. That's not to shabby.
1067893
how bout take it slow... instead of 3 cigs a day smoke 2 then 1 then eventually one a week then one a month and then never. chew gum instead. how bout start tomorrow. theres no price on life.
1154277
What you do depends a lot on what kind of person you are.  If you have a lot of self-control and self-discipline, take it all now and invest it, living off what it generates.  If it's a large enough amount, it can form the foundation for enough growth to keep you in comfort for the rest of your life if you invest propersly.  If it were me, that's what I'd do.\n\nIf, on the other hand, you're likely to spend it all as soon as you get it, take the sum over time, so you'll always have some money coming to you.  It's not a very good solution though.  Your annual payment in 50 years is going to seem a lot smaller than the one you'd get today.  Inflation would just eat away its buying power.
256128
Start by asking your bank what you can do to save $ for the long run. Maybe a IRA plan? Do you have a full time JOB...if so, ask your employer if they have a 401K plan or anything similar. Stocks too me is just like gambling your money. But whatever suits you
905594
It depends on how risky you want to be.  Do you feel confident about your ability to play the stock market?  If so you could take a chunk and invest it there.  If you are more conservative then I would suggest an ING account or a CD with the highest return of investment.  Usually a 12 month CD will carry a higher return but you cannot access this money easily without paying a penalty.  So if you want a good return with access to your money either a money market or an ING account would probably work best.  Happy investing!
649851
That depends on your life style. Try to put your money into investments, IRA's and stocks and bonds.