Congratulations for getting your taxes done and filed.If you바카라 게임 웹사이트�re in line for a refund 바카라 게임 웹사이트� or already have received one 바카라 게임 웹사이트� you바카라 게임 웹사이트�re in good company. A majority of U.S. filers typically do get money back. And this year is no exception.Based on the latest data from the IRS, as of April 4, the agency had already paid out $211 billion in refunds to nearly 68% of the households that had filed returns to the agency. The average payout was $3,116.Whatever amount you바카라 게임 웹사이트�re getting, it바카라 게임 웹사이트�s worth taking a beat to consider how best to use it to improve your current financial situation. And by 바카라 게임 웹사이트�best,바카라 게임 웹사이트� think getting the most bang for your buck and increasing your psychological sense of security in what are objectively very uncertain times thanks to the confusing on-again, off-again U.S. tariffs regime, among other things.Get a 20% risk-free returnIt바카라 게임 웹사이트�s hard to overstate just how many financial experts consistently hammer home the point that whenever possible you should pay off your expensive credit card debt.The average rate on a consumer credit card is 20.09%, according to Bankrate.com. So if you reduce or eliminate your debt at that kind of level, 바카라 게임 웹사이트�it바카라 게임 웹사이트�s a 20% risk-free return,바카라 게임 웹사이트� said Greg McBride, Bankrate바카라 게임 웹사이트�s chief financial analyst.If you바카라 게임 웹사이트�re carrying balances on different cards at different rates, mathematically it makes sense to pay off your highest rate debt first, McBride said.But Dan Bennett, a certified financial planner with Lake Water Advisory, also noted that 바카라 게임 웹사이트�there바카라 게임 웹사이트�s a spreadsheet answer and an emotional answer.바카라 게임 웹사이트� By that he means it might make you feel good to use your refund to wipe away a smaller balance on a card so you can rack up a psychological win in paying off all that you owe. That바카라 게임 웹사이트�s okay, he said, but only if the rate on the debt you want to eliminate is no more than five or six percentage points below that of your largest balance. If the differential is much larger, it makes more sense to apply it to your highest rate debt.If your refund reduces but does not eliminate your credit card debt, see if you qualify for a zero-interest balance transfer card, which can buy you up to 21 months interest free to pay off your remaining debt, said Jody D바카라 게임 웹사이트�Agostini, a certified financial planner with Falcon Financial Group in alliance with Equitable Advisors.Cushion yourself against emergenciesFigure out how much cash you have for emergencies, including job loss. Ideally you바카라 게임 웹사이트�ll want three to six months바카라 게임 웹사이트� worth of living expenses set aside; or up to a year바카라 게임 웹사이트�s worth if you바카라 게임 웹사이트�re self-employed or are your family바카라 게임 웹사이트�s sole breadwinner.Or, D바카라 게임 웹사이트�Agostini suggested, you might consider having nine to 12 months바카라 게임 웹사이트� worth of expenses if your job is reliant on federal government contracts, which may be cut back; or you otherwise work in an industry that isn바카라 게임 웹사이트�t offering great job security. 바카라 게임 웹사이트�Employers are taking longer to hire these days. And you don바카라 게임 웹사이트�t want to (just) get a job. You want to get the job that you want. And you don바카라 게임 웹사이트�t want to feel crunched to make a decision if your money is running out,바카라 게임 웹사이트� she said.While recommended emergency-fund cash levels are hard to attain for many people, 바카라 게임 웹사이트�They are a destination, not a starting point,바카라 게임 웹사이트� McBride said. 바카라 게임 웹사이트�A refund can propel you down that pathway.바카라 게임 웹사이트�And the good news is your emergency cash can earn a solid, inflation-beating return if you park it in an online high-yield savings account at an FDIC-insured bank, in a money market mutual fund, in a certificate of deposit or in a short-term Treasury bill, all of which are currently yielding roughly between 3.8% and 4.5%.바카라 게임 웹사이트�You바카라 게임 웹사이트�re still rewarded for cash right now,바카라 게임 웹사이트� D바카라 게임 웹사이트�Agostini said.Split your refund to hit more than one goalChances are you may have competing financial goals. 바카라 게임 웹사이트�It바카라 게임 웹사이트�s not necessarily either-or. If your windfall is big enough, you can make progress on multiple fronts. That average of $3,100 might let you pay down the last of your credit card debt, put some money in your emergency savings and then use the final chunk to take care of deferred maintenance on your home or automobile, so it doesn바카라 게임 웹사이트�t cost you more later,바카라 게임 웹사이트� McBride said.Or, if you바카라 게임 웹사이트�re not feeling like you바카라 게임 웹사이트�ve got adequate job security, you might put your refund toward an emergency savings account, while using the earnings from that account to pay down some of your credit card balance on a zero-rate balance transfer card, D바카라 게임 웹사이트�Agostini suggested.Take advantage of lower stock pricesAnother way to split your refund is to divide it between short- and long-term savings, assuming you바카라 게임 웹사이트�re not carrying credit card debt. Or, if you already have enough in emergency reserves, you can simply put the money towards your retirement savings.For instance, Bennett suggested taking advantage of the fact that the market rout in the past few weeks pushed stock prices lower. If you qualify to contribute to a Roth IRA 바카라 게임 웹사이트� where your after-tax money can grow and be withdrawn tax-free 바카라 게임 웹사이트� 바카라 게임 웹사이트�it may be a great opportunity to max out now,바카라 게임 웹사이트� Bennett said. Especially if you have a really long time horizon.Spend your refund smartlyIf you바카라 게임 웹사이트�re fairly well set 바카라 게임 웹사이트� no credit card debt and adequate emergency and retirement savings 바카라 게임 웹사이트� you might consider buying something you want or need.While higher prices from President Donald Trump바카라 게임 웹사이트�s tariffs regime haven바카라 게임 웹사이트�t filtered down to the consumer yet, they will, possibly as early as this summer 바카라 게임 웹사이트� unless there are major changes to his trade policy. There바카라 게임 웹사이트�s no predicting anything.But if your old car or washing machine is on its last legs anyway and you were planning to get a new one later this year or early next, you might consider using your refund towards making the purchase a little sooner before the cost rises and inventories run out, D바카라 게임 웹사이트�Agostini said.Or, if you have the cash flow and you바카라 게임 웹사이트�re worried about potential layoffs, you might consider using your refund to help pre-pay essential expenses 바카라 게임 웹사이트� e.g., home and auto insurance expenses for the rest of the year 바카라 게임 웹사이트� if that would make you feel more secure, Bennett said.