First, you could use a free tax calculator/refund estimate. (Intuit has one: https://turbotax.intuit.com/tax-tools/calculators/taxcaster/). I find it helpful to focus on a number versus an unquantifiable variable. Then split the amount in a way that is most meaningful to you BEFORE you get the check. I would suggest 50% into debt, 40% into your savings account and bucket the amount as "down payment" money, then 10% to charity (write it off for a potentially larger refund next year!) Hope this was meaningful to you.
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