If not your retirement savings, just put it in a savings account. People that have money have it for one reason: They don't think I have a little money, I had better spend it! As my parents used to say it's burning hole in your pocket. Sure you may get a little immediate gratification from it but once the feeling is gone, so is the money, then what. If you have any credit card debt or any other kind pay it down. You are paying more in interest than not. Save it and wait to find something you really need or want!