Still waiting for your check? Try tracking it online directly through the IRS. Make sure you have your Social Security number, filing status, and exact refund amount handy.

Tempting as it may be to blow the whole thing, consider:

  • Contributing it to a Roth IRA
  • Paying off credit card debt
  • Contributing to an emergency fund (or starting one in the first place)
  • Making a charitable contribution (most are tax deductible)
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