# It’s Tax Season — What Should You Actually Do With Your Tax Refund

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Text version: https://stenobird.com/podcast/the-brutally-honest-loan-officers-6715911/it-s-tax-season-what-should-you-actually-do-with-your-tax-refund.md
Podcast: [The Brutally Honest Loan Officers](https://stenobird.com/podcast/the-brutally-honest-loan-officers-6715911)
Published: 2026-01-26T16:41:20+00:00
Episode link: https://TheBrutallyHonestLoanOfficers.podbean.com/e/it-s-tax-season-%e2%80%94-what-should-you-actually-do-with-your-tax-refund/
Audio file: https://mcdn.podbean.com/mf/web/z6wgjz2w6wfvd7g9/It_s_Tax_Season_What_Should_You_Actually_Do_With_Your_Tax_Refundarfg9.mp3
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Duration seconds: 2089

## Resource

Tax season is here — and if you're getting a refund, you're probably wondering what to actually do with it. In this episode of The Brutally Honest Loan Officers Podcast, Stephen and Derick break down how to use your tax refund wisely — whether you're paying off high-interest credit cards, saving for a down payment, or planning to buy a home in 2026. We’ll cover: • Why a big refund isn’t always a good thing • How adjusting your tax withholding can boost your monthly cash flow • Smart ways to use a tax refund for debt reduction or homeownership • The truth about mortgage interest deductions • Why you should never spend money just for a write-off • Tips for W2 earners who want to reduce taxable income like self-employed pros 💡 Whether you’re a first-time buyer, homeowner, or just trying to make smarter financial moves, this episode is packed with real-world mortgage and money advice you won’t get from TikTok.

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