A recent study shared by Time Magazine said that 50% of Americans could not come up with $400 in the case of an emergency. I don't know if you are in that 50% or not, but this time of year is the perfect opportunity to make sure you are not in that 50% going forward. It is tax time and tax time usually brings money into your pocket. Whether the money comes from tax credits or you just loaned your money to the government for a year it is your chance to make a difference in your finances.

I wanted to make sure that I reached you before you spent that money like so many of the Americans who don't have $400 for an unforeseen emergency. I wanted to reach you in time so that you can use your tax refund to improve your financial situation. So many people get their refund and spend it on items that bring no value. On vacations, clothes, cars, stuff! They do it year after year and wonder why they are not in a position to start that business, quit that job they hate, retire, buy that dream home, get out of debt!

The reason is that your tax refund has to be used as a tool for growth if you want financial increase in your life. So when you get your tax refund this year use it to build up your savings and pay off debt. For example if you get $3000 back and have no savings then you should put $1500.00 in a savings account for emergencies and then the rest, the other $1500.00 towards any debt you may have. If you have a $500 credit card balance, a cell phone overdue balance of $300, and a medical bill of $700 then those are three debts that are automatically gone. The stress that came with them will be gone as well!

This is an opportunity that you don't want to pass up. This opportunity can put you ahead in life. Don't miss it!

Below is a video I did for my Money Movers movement on this topic!

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