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In a journey as personal as it is universal, Brancaccio crisscrosses America to examine possible responses to a monetary bolt from the blue: "spend it on a shopping spree, do good, start a business, gamble with it, give it away, invest it in the markets, buy a house, go back to school, retire early, save it for a rainy day." Hooking up with an array of savvy individuals who are focused upon these divergent alternatives, he ultimately discovers that true fiscal fulfillment is achieved only when individual needs and wants are really understood and successfully balanced. More to the immediate point, however, he also uncovers a perfect way to judge the expenditure of any honest-to-goodness surplus: the ability to answer yes when asked if the money's use, whatever it is, will have a lasting, positive impact on your life. --Howard Rothman
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