<prompt> Human: I dont mean what are you supposed to do, or how do you properly set up how much is withheld, I mean what do you ACTUALLY do with the money you get back, if its enough to matter. I got about 1,800 back this year, so I put 1,000 in my emergency fund and am using the rest to finish building a bicycle and improve my car a little bit. I just cant make myself save ALL of it, even though I should.  <response>: Most of mine went to my Roth IRA so its maxed before the end of the year. I also used a small portion of it to buy some new clothes for spring. I got a larger return than I wanted, so Ive adjusted my w4 for this year so I can get that money upfront via my paycheck. 