If you're one of the nearly 8 out of 10 Americans who received a tax refund this year at an average of $2,640, this show is for you.  I've compiled this list of 7 smart things you can do with your tax refund to make sure you don't waste this windfall.

1. Pay down debt
2. Save it / Emergency fund
3. Invest it - Roth IRA or 529
4. Invest in YOU
5. Give generously
6. Enjoy it
7. All of the above