This is the time of the year everyone is waiting on……Refund check time. Have you planned to spend your tax refund before you even filed your income taxes? Don’t feel bad, because most Americans have spent their refund check in their mind before it even hits their bank account. Let 2016 be the year you break that chain and pay off a debt, start your emergency fund, put towards retirement, and/or purchase a home. Financial success takes patience, smart decisions, and discipline. If you want to learn the Do’s and Don’ts of your refund check, make sure you tune into my podcast on Friday January 22nd.