Name: Laura Brewer, 24
Location: Manayunk, Penn.
Profession: Engineer, GlaxoSmithKline
Her story: "Honestly, I'd spend it on a bike. I'd buy a nice mountain bike from a small bicycle shop here in town. I wanted to get one last year, but I had student loans to pay off, so I decided to wait.
I live in a great area that has a lot of bike trails. It's a great way to get around, it's a cheap way to get around, and it's good exercise. I mean, why not? That's what it's for, right?"
- as told to Larissa Padden NEXT: Pay credit cards