<prompt> Human: Its tax time again and I just wanted to relate a story and give some advice. A few years ago, I did my taxes through HR Block. The only reason I did that was because I was a graduate student and they knew of some programsrules that lowered my tax burden. One year, I got a new accountant and I smelled something fishy when she was doing my taxes. I got a very decent return, higher than usual.When the money was deposited in my bank account, I didnt touch it. Two months later, the accountant called, told me that she had done my taxes wrong, and I owed about 50 of the return back. I wrote a check and dropped it off that afternoon, no hassle and no worries.Since then, I always save my tax return until at least 3 months after I get it. In the meantime, I think about what I want to do with it. Usually, I end up putting it in loan payments or just bump up my emergency fund. People can get a little spend-happy when that return comes and the waiting period can really put things in perspective.Hope this helps!  <response>: refundAlso this should serve as a lesson to pick a good accountant : 