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The IRS will start issuing tax refunds as early as mid-February. For many Americans, it will be the only windfall of 2022 and how they plan to spend it speaks volumes about the toll the last two.

United statesAndrei vasilescuBrittany klineSean foxAyelen osorioBills with your tax refund goodGetty imagesMajor tax changesBill collectorsLenders will get mostReasons you might not getTax refund thisInflation are still hereChild tax creditShould you file early thisHave credit card debt