A tax refund feels like a gift, doesn’t it? It isn’t. In fact, all you’ve received is your own money that the government has been using, interest-free, for a year, when it could have been working for you. No institution would ever give you an interest-free loan, so why should you?
We’d love to be able to contribute to both but for many of us, it’s not a possibility. We can help determine which one is more appropriate for your situation.
