<prompt> Human: I am 37, married with two kids single income and dont own a home. We live in California. Take home was about 85k with salary at 70k with some money from my wifes real estate and some smaller business income we have started doing. Currently have about 75k in 401k and some stock options from current employer. Looking into some investing, but not sure where to start.  <response>: Tax return is a document.Tax refund is a reconciliation of how much youve withheld and how what your tax liabiltiy is.See 