 TITLE: What to Do With Your Tax Refund CONTENT: Do Something Good\n-----------------\nGetting a tax refund really isn't a windfall: It's money you overpaid to the government throughout the year. While a sizeable tax refund may be a sign that you should consider adjusting your withholding (or estimated tax payments if you're self-employed), it can also provide you with an annual opportunity to do something significant with a chunk of money—pay down your debt, amass savings, contribute toward your retirement, splurge or donate. And while the money itself is not a gift, the opportunity to do something good with it certainly is. Enjoy! END