My guess would be holding onto it and increasing their annual net worth.
Unlike businesses which constantly are comparing previous quarters and years to their current status most people do not measure how well they're doing nor think in terms of:
"How can I earn more than I did last year?"
Whatever you focus your mind on the more of it you tend to have. Successful people have different habits than unsuccessful people. They measure their progress throughout and make changes as needed. Unsuccessful people tend to be constantly putting out fires and getting caught off guard. They have no plan!
Those who fail to plan, plan to fail.