you say we can't use it to pay off debts, but can we use it as a down-payment on a new item? or would that be too close to cheating?
Volkswagon or Volvo stationwagon.
new house

or:
Adventurbilt Deluxe in beaver felt with a Kingdom bash. $400
G&B goatskin Expedition $500
Tilly Endurables T4 $80
a year worth of MREs probably a few thousand dollars

is there a time limit? and would college tuition and fees count as merchandise?