<prompt> Human: Recently graduated college making 50k a year and it seems like taxes drain my paychecks. What are the best ways to lower taxesmaximize tax refunds.Thank you!!  <response>: - traditional 401k contributions - HSA contributions if you are covered under an eligible High Deductible Health Plan You really dont want to maximize refunds, if you are getting a large refund it means the IRS has been getting a interest free loan all year in the amount of the refund. It is better to owe a small amount each year rather than get a refund. 