Best advice I can give you is to take at least HALF of your refund every year and put it into SOMETHING (that grows!) for your future! Some ideas would be a Retirement Account, CD's or Investments. I am soon to be 45 years old and kicking myself for not saving or investing earlier in life. I still have 20+ years until I'm able to retire but I have a lot of catching up to do if I want to be able to live comfortably in my final years. I am positive when I was in my 20's this was mentioned to me as well... I wish somebody would have stressed to me the harsh reality of choosing to wait so long. Save early and save often.... the future You will appreciate it! 😉
