I Got My Tax Refund... Now What?

Tax season is here — and if forecasts hold true, 2026 refunds could be higher than recent years thanks to tax code changes that weren’t fully reflected in 2025 paycheck withholdings. But before you treat that refund like “free money,” let’s pause. Because it’s not a bonus. It’s your money — coming back. In this episode of You’re Not Dead Yet, we break down how to turn your tax refund into a strategic financial move instead of a temporary splurge. We’ll talk about: • Why building (or strengthening) your emergency fund is important • How using your refund to pay down high-interest debt can have a long-term impact • Ways to invest it toward retirement and let compounding do the heavy lifting • When it makes sense to invest in home repairs, professional growth, or life upgrades 🎧 You’re Not Dead Yet: Thriving at the Crossroads of Building Wealth and Living Life. Ready to take control of your financial future? Visit www.premieriwm.com for guides, tools, and personalized strategies. Securities and advisory services offered through LPL Financial, a registered investment advisor, member FINRA/SIPC. The opinions voiced in this show are for general information purposes only and are not intended to provide specific advice or recommendations for any individual. To determine which investments may be appropriate for you, consult with your attorney, accountant, and financial or tax advisor prior to investing. Premier Investments & Wealth Management and LPL Financial do not provide tax advice, please consult your tax professional. Contributions to a traditional IRA may be tax deductible in the contribution year, with current income tax due at withdrawal. Withdrawals prior to age 59 1/2 may result in a 10% IRS penalty tax in addition to current income tax. A Roth IRA offers tax deferral on any earnings in the account. Qualified withdrawals of earnings from the account are tax-free. Withdrawals of earnings prior to age 59 1/2 or prior to the account being opened for 5 years, whichever is later, may result in a 10% IRS penalty tax. Limitations and restrictions may apply. This information is not intended to be a substitute for specific individualized tax advice. We suggest that you discuss your specific tax issues with a qualified tax advisor. There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk. All performance referenced All performance referenced is historical and is not a guarantee of future results. All indices are unmanaged and cannot be invested into directly. Dollar cost averaging involves continuous investment in securities regardless of fluctuations in price levels. Investors should consider their ability to continue purchasing through periods of low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets. There is no assurance that the techniques and strategies discussed are suitable for all investors or will yield positive outcomes. The purchase of certain securities may be required to effect some of the strategies. Investing involves risks including possible loss of principal.