The average American gets an average tax return of about $3000 annually. The temptation, normally, is to go on a me time spending spree - of course I love to spend! Spend a little on shoes, a little on snacks, a little on shopping - maybe a stroll to the beach (and every other thing). What would be more satisfying than spending money that's not directly from your paycheck? What if you were told there were better, smarter ways to invest or spend your tax refund? Why spend on the now and regret later - when you can solve problems, invest in the future, and enjoy later? You would be surpised how much $3000 can do for you if you appropriate it well.