No bashing. I'm.just curious :) We use ours to supplement our tithing at church so we don't have to stress about shelling out so much every week - this way we give $2,600 now plus $50 per week instead of $100 per week. It works for us. Our refund is $4,000 and the rest will go to savings. I'm hoping to sell an ATV of ours (hopefully someone buys it with their tax refund :) so I can get an elliptical!