Sometimes a tax refund seems like free money from the government. Hello big-screen TV, luxury getaway or latest iphone. That refund, however, was your own money all along. You’re just getting it back. By resisting the urge to splurge, you can use that money to enhance your future finances. Here are some of the most effective ways to apply the refund to your financial benefit.

Wondering where to start? We know the ever-expanding world of cryptocurrency can seem hard to navigate for many investors. Fidelity’s Meghan Chen and Vivian Hsu provide their answers to commonly asked questions to help guide you on your way.