<prompt> Human: So I worked my ass off last year, and I guess it paid off. Found out that Ill be receiving a sizable refund, and instead of blowing it on a purchase, I was wondering what kind of options should I look into for reinvesting my return for something geared more towards my retirement. Currently 31 years old, so theres still a bit of time. lol  <response>: You need to adjust your witholdings on your W4 in the future. You could have already had a large portion of that money in your pocket this whole time. 