<prompt> Human: Last year I bought a new laptop with some of my return. The old one was 5 or 6 years old. I used a chunk for summer camp for my daughter and put more or less the rest away as an emergency fund. The emergency fund is gone due to child support issues beyond my control. I was thankful to have it to use. But I will have better peace of mind to have a fund again.EDIT: Okay, I got it. I used the refund. The refund is my cash. Also, Im required to pay taxes yet Im also a single mom with childcare expenses. I am guessing that is why I am getting money back from federal and state taxes.  <response>: Moving forward, use the withholding calculator linked in the automod bot to adjust your allowances so you dont overpay and get a refund.You would then use every available dollar from every paycheck to achieve your goals throughout the year, instead if Christmas in February. 