it may be an irs refund or how about a $500 check on your 21st birthday from grandma josephine. the impulse is to spend that windfall but there are better uses for you unexpected gains. let's talk to gail marksjarvis, a personal finance columnist for the chicago tribune. come on gail! i want to spend a little bit of it. > >and you should! i know you're gonna be surprised to hear me say that but if you're too good with the money you're going to resent it. so what you should do is splurge a little-- maybe take 5-10%--and get something really sweet. not just kind of something you want but something you wouldn't ordinarily get. > >it's extravagant, stupid, silly--but it makes you feel good. > >feel good so that later you don't overspend because you feel cheated. > >what are the things that we should be doing? is it paying down credit card debt? is it taking out a college fund for our kids? > >absolutely. so lets look at boeing mechanics just got a $10,000 bonus. they got it because they gave up some of their retirement money. so they've got $10,000. they're gonna lose some right awa