congrats on the refund, this may sound nerdy but take out an ira plan for your self with taxes, say about a grand invest for your future, i did this 10 years ago with my tax refund, and i estimate i have around 80k in that acct for retirement or purchase of a second home, i did when i had the money, hint(tax time) and also the following year i took 529b savings plans for my kids college. this may sound boring on a poker site..but trust me its a good idea..you will feel great