Really depends on how old you are and what your financial situation is.
To boil it down; if you have kids under 18 yrs old, invest the money for their college - you can never have "too much" money saved for college unless you're walking around with Krugerrand's falling out of your pockets.
If you don't have kids or they are already grown and gone, do something that you've always wanted to do but never had the money.
Or, I guess you could just save the $10K for an IMS bearing failure engine rebuild.
