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A larger tax refund can be a rare opportunity to strengthen your finances in one move. How you use it could shape your savings, debt costs, and long-term wealth.

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Midway through 2026 tax season, and if you haven't yet received your tax refund from the IRS, here's how you can track it.

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You need your adjusted gross income from last year's taxes to file your federal income tax return online in 2026.