In episode 66 of Financial Conditioning, Simon Karmarkar provides an introduction and overview of tax refunds, exploring how they can be effectively used. He discusses the prioritization and breakdown of refund usage, offering guidance on making the most of your refund. The episode delves into the motivation for early tax filing, highlighting generational differences in filing behaviors. Simon examines expectations and trends in refund amounts, addressing reasons for changes in these figures. The episode concludes with insights on managing tax refunds wisely to enhance financial conditioning.

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