Steve Cadwell, Howard Hanna

04/15/2026

1. Pay down debt. Debt doesn’t just affect your peace of mind—it affects your credit score and can limit your ability to purchase a home or vehicle. Start with high-interest debt.
2. Add to your emergency fund. Reflect on how well you can financially endure an emergency like losing your job or sudden medical expenses. Develop a savings account to bolster your safety net.
3. Invest it. Putting your money toward investing can help you grow it, improving your future savings.
4. Pursue long-term goals. Think about how you could apply tax refund cash to future goals. Invest in education and professional development, or even save up to buy a new home.
5. Tackle delayed expenses. Apply these funds to costs you’ve been putting off, like home or auto repairs, maintenance services, and medical checkups. Investing in these areas now can save you money in the future.

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No one needs to know that this impressive looking treat was so simple to make.

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This is the prettiest cake you'll see all season.

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