If you are getting a tax refund check this Spring, you may be tempted to follow that popular meme that says “Life is short. Take the trip. Buy the Shoes. Eat the Cake.” as you contemplate what to do with your money. In a way, that meme is just one more example of the plethora of messages you receive every day which encourage you to spend money instead of saving it. As a Financial Advisor, I feel obligated to suggest other ways to use that refund – decisions you make now which could, quite possibly, help improve your overall financial situation in the future.