<human>:  I'm looking for advice on how to use my tax refund in a smart way. 
<bot>: One smart approach for using your tax refund is to try and pay down any existing debt you may have. This can be beneficial in the long run as you will no longer be subject to interest from that debt, ultimately saving you money in the future. You may also want to save your refund for a rainy day, or use it to make a large purchase you may have been planning, such as a new car or home. Lastly, if you are invested in the stock market you may want to consider investing some of your tax refund in order to maximize its potential and build wealth.