The average American who receives a tax return will receive almost $3200!  With that kind of small windfall, what should you do with the money?  It depends on your situation, but there are definitely more options than to just spend it or save it.  Ultimately, you want your money to work for you - paying down high interest credit cards, starting an emergency fund, paying down your mortgage, or even starting a Roth IRA are just a few of the tips we cover in today's episode.