1. Buy our first house in a neighborhood we both love but can't currently hope to afford. Also, our first car.
2. Buy my parents a nicer house and a more reliable car (both of those are constantly breaking down).
3. Put away a whole bunch, because I hear kids are expensive.
4. Give a bunch to MSF, because where they go, a little goes a long way.
5. Give a bunch to the public school system in my hometown, which is falling apart at the seams; even though I couldn't wait to leave, it's still my hometown.

And yeah, I'd probably allow myself to live a little bit more comfortably (I'm a simple girl, but I wouldn't stress about allowing myself simple pleasures). Like CantExplain, I'd also keep my job.