My wife seems to want to help Uncle Sam out. We apply our refund to next years taxes due. We got a letter from the IRS a few years ago that they didn't want to carry such a large balance forward and sent us a refund. LMAO
We do our Roth contributions every year, and send a chuck once or twice a year to our investment guy.
He's a long time Army buddy, and after 25 years of working with him the good thing is we are still buddies.
He's taken good care of us.