<prompt> Human: 24 M. Last year I landed my first full-time job with benefitsinsurance the whole shebang. This year I am going to be receiving the largest tax return of my young adult life. I have student loans, a small installment loan, savingsretirement. I know that the tax return isnt free money, but actually my own hard earned money. I would like to use this wisely instead of blowing it on something I dont need.This is why I want to ask people who might have more experience or insight with the matter. Any suggestion is appreciated!  <response>: The best course of action when you get your first big tax refund, is to adjust your withholding so that next year you dont get a big tax refund. A big tax refund means that you gave an interest-free loan to the government for the year; you could have had a higher paycheck each and every payday instead. 