MONEY DECISION GUIDE

What Should You Do With a Tax Refund?

Build a suggested order for a tax refund before the money blends into everyday spending.

Start by checking whether any of the refund is already needed for overdue essentials, minimum payments, or a near-term tax obligation. Then protect a starter ca

Next, compare the guaranteed interest avoided by paying costly debt with other priorities such as an employer match and longer-term saving. A small planned enjo

The IRS says taxpayers may split a direct-deposit refund among two or three eligible accounts using Form 8888. That can support a pre-decided plan, but The Doll

Educational planning only—not individualized financial, tax, investment, or legal advice. You review the plan and move your own money.