For America’s beleaguered economy, help is on the way. And it is coming in the form of direct payments to most Americans making less than six figures a year, and even some who are making more than that.

What should people do with this “free” money? I reached out to four leading psychologists and economists for answers. Here’s what they had to say.

David Dunning, Professor of Psychology at the University of Michigan, says:

“For those without immediate need to spend the money, let me give two reasons to still spend the money. The economic answer is spending the money at some local business allows them to buy from or pay someone else, which allows that next person to spend, which then allows the next person to spend, and so on. The psychological answer is to consider spending the money on something that someone else needs. Recent research suggests you may enjoy spending on someone else more than you would spending the money on yourself.”

Read the full article at Forbes.