Tax time is a great time to take any refund you receive and...

Tax time is a great time to take any refund you receive and invest in your future either by opening up an IRA account, or increasing the deferrals in your 401(k) plan. What's very encouraging today compared to a few years ago is that American workers are increasingly demonstrating a discipline for saving and investing their hard earned dollars, and are less likely than in the past to say they will run out and turn it in for a plasma TV for example.