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Ready to spend your tax refund? Here's what experts say you should do with the money first.

With the average tax refund topping more than $3,300 this filing season, many Americans are facing the same question: What's the smartest way to spend it? A big splurge or shopping spree may sound tempting, but financial experts say treating that check as a tool rather than a bonus can pay off long after the money is spent.
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