re: water heaters.....if you go tankless-go gas, electric tankless sucks shit, I don't have a gas option at my house so I'm getting a marathon water heater..
as far as spending my money that the government has been spending over the last year: new tv (thinking 70", the old 60" rear projection is getting blurry), marathon water heater, and new carpet for the 2nd floor of my house, the rest goes into savings
with the 2 incomes, the twins, the daycare, my mortage interest this year, and the out of pocket medical bills getting written, expecting to get back 5-6K