Hoard for now and hope it hits $1 or better. At that point I'd cash out for a down payment on a house.
I like how you think!
That's exactly what I am saving up BTC for.
Yeah, I know realistically it probably won't happen, but I can always hope. I figure if I can at least mine coins to help out the cause and jump on offers of new things like XRP, maybe it'll offer a tiny bit of help to get my family out of our current cramped digs and into something a bit nicer.
In the mean time, I'll continue to work multiple jobs and scrimp and save.