This year: Save it
Last year: Spent it with the intention of saving it
Giovanna Couey, Madison Wisc.:
My husband Robb and I are newly married and trying to build our nest egg, and this tax return will give us a good head start. Eventually it may turn into a down payment but for now we're just excited to have money saved rather than spending it.
NEXT: Spend it!
Last updated March 10 2011: 1:24 PM ET