The bonuses announced at the end of this volatile year are expected to be lower than last year’s record windfalls. But that doesn’t mean there won’t be plenty to spend—just that you should blow it on things you will really, really enjoy.

That’s easier than ever, in part because everyone from boatmakers to carmakers, private-jet manufacturers to custom-bicycle fitters, is giving customers license to customize, design, and reimagine almost any luxury good worth having. Grownup toys have never been so tempting.

Take Morris Yachts, Maine boat builders who realized that even customers who can afford to drop $400,000 to $1 million on a yacht—and in some cases, especially those customers, who are busy making the dough—don’t have time for long adventures on the seas. To accommodate skippers who want to take friends and family out for afternoon or weekend jaunts, they’ve created extra-large daysailers, as long as 53 feet (“Supersizing the Daysailer”). When being above water gets old, immerse yourself in the world of private submarines (“Sub Culture”).

If you prefer an aeronautical lifestyle to a nautical one, you can purchase your own fighter jet (“Wing Men”). Or you can pick up a private plane and have it kitted out to your specifications (“Jet Envy”). Tip: Skip the hot tub.

But where to stow your clothes and files during that trans-Atlantic flight? Our business-travel columnist, Joe Brancatelli, turns to Myron Glaser, a San Francisco luggage maker who, with a team of six, turns out only 1,000 custom-made, hand-finished briefcases, totes, and garment bags a year (“The Bag Man”). Prices range from $700 to $1,000, which is a serious bargain when you consider their expected life span—15 to 20 years.

Back on the ground, there is plenty to set a bicycling enthusiast spinning. At Signature Cycles, a New York bicycle fitter, you don’t simply walk in, choose a model, and ride it out. Instead, Signature—and several similar stores across the U.S.—will custom-fit a bike to your exact body shape, ability, and aesthetic leanings. Prices start at about $8,000 a pop, but at least you get to choose the color (“Dream Rides”).

Of course, for many readers, the dreamiest ride isn’t one taken under your own power. We outlined two compelling trends in luxury automobiles. In “How to Import Your Own Supercar,” we explained how to get a specialty car over from Europe without having to comply with the U.S.’s stringent safety regulations. If you prefer a patina (and a good backstory), then try a vintage racer (“Street-Legal Antiques”).

If golf is more your speed, the ultimate way to play 18 is to own the course—and some can be had for less than $1 million. Get hold of one now (“How to Buy a Golf Course”) and you’ll be satisfied—at least until spring.