Psychologist Craig R. thinks the idea of having an extra $10K is all wet. "I'd spend my cash on a major backyard oasis that includes a pool and hot tub. No expense would be spared on landscaping the area to make it a vacation spot right at home." 

Ryan D. of New Smyrna, Fla., knows what it's like to win big. More than eight years ago, he was a contestant on NBC's stunt reality show Fear Factor. After completing three feats that included noshing on tarantulas and getting himself unlocked from a car spinning under the water, the professional photographer took home a whopping $50,000.  {relatedarticles}

Although money can't buy love, it definitely helped Ryan celebrate his. He used the jackpot to purchase an exquisite engagement ring for his wife. In addition, he put part of his winnings toward financing a fairy-tale honeymoon in Fiji. Of course, Uncle Sam also got his cut. If the shutterbug had it to do all over again -- this time with $10,000 -- he says he would go in a different direction with his money.