It's April, which begs the question how are you going to spend your tax refund this year?

(If, of course, you're fortune enough to get a refund. My condolences if you end up owing Uncle Sam.)

Bills need to be paid. And the zeroes in your student debt total should, at least in theory, keep dwindling. You should probably stock the pantry while you're at it, and make sure the gas tank is filled, too.

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