#CreditChat Page

Our weekly#CreditChatstarted in 2012 to help our community learn about credit and important personal finance topics (e.g. saving money, paying down debt, improving credit scores). Each chat is hosted by@Experianon X (formerly Twitter) and all are welcome to participate. DM us any questions.

Join our #CreditChat on “Spend, Save, Invest: Strategies for Getting the Most Out of Your Tax Refund or Windfall”! Learn how to make the most of your extra funds with expert tips and practical advice.

Topic:Spend, Save, Invest: Strategies for Getting the Most Out of Your Tax Refund or Windfall

When:Wednesday, March 26, 2025 at 3 p.m. ET.

Where:Join thelive hashtag discussion

The panel will include:Jeanne Kelly:Credit expert, identity theft expert, speaker and founder ofJeanneKelly.net;Deacon Hayes: Founder ofWell Kept Wallet; Nia Adams:Speaker, Real Estate Investor, Author and Founder ofPerspectivesChange.com;Thomas A. Gorczynski, EA, USTCP:Managing Member, The Gorczynski Group, LLC;Rod Griffin:Senior Director, Consumer Education and Advocacy, Experian;Jennifer White:Consumer Education and Advocacy Team, andChristina Roman: Consumer Education and Advocacy Manager at Experian.

Gift Card Giveaway
Enter here for a chance to win a $50 Amazon gift card!We will be announcing a winner at the end of the chat. Entry Period: Raffle open now and closes at the end of this chat at 4 p.m. ET.Complete rules here.

Questions we will discuss:

  1. What are the first steps someone should take after receiving a tax refund or other significant financial windfall?
  2. How can you prioritize your financial goals when deciding how to use your windfall?
  3. What are the benefits of using a windfall to pay down debt, and which debts should be prioritized?
  4. How important is it to save a portion of a windfall, and what are the best types of savings accounts or instruments to consider for building or boosting an emergency fund?
  5. What are some investment options to consider for your tax refund?
  6. How can you use your tax refund to contribute to retirement accounts, such as IRAs or 401(k)s?
  7. What are the advantages of using a tax refund for home improvements or other large purchases?
  8. How can you balance treating yourself with your tax windfall while still making financially responsible decisions?
  9. What are some tips for avoiding common pitfalls when spending your tax refund?
  10. How can you plan ahead to make the most of next year’s tax refund based on this year’s experience?

Check out our complete list ofupcoming personal finance Twitter chats here.