Don’t Let Your Tax Refund Disappear

For many households, a tax refund feels like a bonus. A little breathing room. A little excitement. A little finally.

But tax refunds have a way of disappearing fast. This year, let’s make it work harder for you—with a plan that balances stability, progress, and a little joy.

A Simple Plan: 50 / 30 / 20

50% — Strengthen Your Foundation

Put half toward something that builds long-term stability:

• Boost your emergency fund
• Add to your retirement account or IRA
• Increase savings toward a larger goal

If you’re not sure where to start, an emergency fund is often the first priority—helping you handle unexpected expenses without relying on credit.

30% — Reduce Debt

Use part of your refund to knock down high-interest balances.

A lump-sum payment can:

• Reduce the amount of interest you pay over time
• Shorten your payoff timeline
• Improve your overall financial flexibility

Even one extra payment—especially toward credit cards or student loans—can make a meaningful difference.

20% — Enjoy It (Intentionally)

Yes—enjoy a portion of your refund. Just do it with purpose.

Plan something meaningful:

• Take a trip or fund a future vacation
• Invest in a hobby, class, or personal growth
• Make a special purchase you’ve been putting off

Experiences and intentional purchases tend to be more fulfilling than impulse spending—so choose something that actually adds value to your life.

Thinking Bigger?

Your refund can also be a stepping stone—not just a one-time spend.

• Put it toward a down payment on a car to reduce long-term loan costs
• Start or contribute to a college fund
• Invest in home upgrades that improve comfort or efficiency

Your refund doesn’t have to cover everything—it can be the catalyst that gets you started.

Make Your Home Work for You

Your refund can also support home improvement projects. You can cover smaller upgrades outright or use it as part of a larger renovation plan.

Track your home’s estimated value using the Home Worth tool in digital banking to better understand your equity position.

If planning a larger upgrade, a Home Equity Line of Credit may provide flexible access to funds over time.

Make This Refund Different

A tax refund isn’t extra money. It’s your money.

Without a plan, it’s easy to spend and save without intention—and end up wondering where it went.

So give it direction.

Build security. Reduce debt. Create something meaningful.

And this year, make your refund something you actually remember.

We’re WyHy. We’re Wyoming. We’re with you.