We have all experienced the pleasure of receiving a windfall in terms of money in our pockets. It may have been that quarter that your dad (or, perhaps, the Tooth Fairy) gave you when you were a kid. Who cannot recall the thrill of running down to the local Woolworth’s with that shiny quarter looking for a way to spend it? Later in life, perhaps you received a nice Christmas bonus. But, boy, doesn’t it feel good to have an extra infusion of cash, no matter how much or what the circumstances? Just a couple of years ago, the federal government gave most of us (even those that pay no income taxes) a nice little stimulus check.