You earned that refund — now it’s time to make it count. In this episode of Dollars and Sense, we dive into the surprising psychology behind why tax refunds feel like a bonus, even though it’s your own money coming back to you.

We’ll break down what most people actually do with their refunds (spoiler: it’s not always the smartest move), why it feels so tempting to splurge, and how you can use your refund to build real momentum toward your financial goals.

From mental accounting to the emotional “windfall effect,” we’re unpacking the hidden forces that shape your money moves — and sharing simple ways to put your refund to work for Future You.

🎧 Real stats, relatable stories, and tips you can actually use — all packed into one episode.