>>Pay down debt, or save it. Those are really about the only responsible things to do with it at this point.<<
Savings is not an option when the interest rates banks pay you are 2% and headed South. What good will savings do if a) Congress follows through on plans to sieze 401K’s, or
b) Congress F’s up the economy so bad that the dollar is worthless. We’ll wish we had saved our Confederate money.
Even so, it's still probably a better choice than spending it all on rapidly depreciating assets that were made in China or Malaysia.