SPEND IT FRIVOLOUSLY!!!!

I agree that the gift giver probably wanted you to spend it on something for your enjoyment. They could have BOUGHT you something for your enjoyment had they known what that was. (But since you don't even know, how do THEY know?!)

I 100% agree with the Garmin idea. I have a Garmin Edge and LOVE it. Couldn't possibly live without it. But then again, I'm a stats freak. And because I'm always blowing my nose when I ride and go potty often, my husband calls me the Snotty, Potty, Stat Queen.

I must know how fast I'm going, how fast my current "lap" is, my over all average pace, how far I've gone, how far I have to go, what percent incline I'm on . . . and everything else there is to possibly know. And I have a record of pretty much all of it on bikejournal.com

Another option is to lighten your bike, if you so desire. You know, if you're one of those "weight weeny" types . . . like me. Do you have really light wheels? Are there any other components on your bike that could be lighter?

What about your cassette? Is it the optimal cassette for your goals? My cassette helps me climb better, cause I need all the help I can get. My wheels do the same, while my husband's wheels are made more to help him ride fast on the flat.

If you DO decide to put the money in the bank, I would only "approve" such insanity . . . . . . if you figured out something you really wanted that costs more than $400 and you were saving for it.

A Garmin Edge seems to fit nicely into that price range, though. You'd even have some left over for some new socks, a couple of sports bras and some CamelBak bottles. Maybe some sweet PINK handlebar tape!