Tim Estes Interviewed by James Malinchak, of the hit ABC TV series "Secret Millionaire"

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Tax season might not spark joy, but a refund sure can.

In 2025, the IRS estimates the average federal income tax refund will top $3,170.1 That means a lot of folks are suddenly asking the same question: What should I do with it?

Splurge? Save? Invest?

The good news: there’s no one-size-fits-all answer...