Hi and welcome to the Deeper Than Money podcast. I am your host, Chloe Elise. I'm a millennial money

coach speaker, dog mom, and a seven on the enneagram, and I am on a mission to prove to you

that finances can be fun and easy. On the Deeper Than Money podcast, we will dive

into all things millennial finance, debt, saving mindset, and how to have financial freedom

to enjoy life in your 20s and 30s. I want you to leave this podcast with more confidence around

your Moolah and the belief that your biggest financial dreams are

possible for you.

So let's talk money.

Hello and welcome back to the Deeper Than Money podcast.

This episode is for you. If you have ever wished or felt like you wanted more money or you needed more money and then you would get ahead.

And if you've ever felt like this, this is such a great time of year because it is almost

tax return time. And for the most part, you know, you will most likely be getting a tax return.

If you are not getting a tax return,

then this is still an episode you need to listen to because we're going to talk about some tips

and tricks for you. But either way, let's say you are getting a tax return this year. Oftentimes,

tax returns are this mythical thing, right? We're like, well, I don't know if I'm getting a tax

return. And if it is, I don't know how much it'll be. So I'm just going to, you know, plan for

less money. And then if there's more, it'll be a surprise. And here is the first thing I want to say out of that.

If you are banking on your tax return for things, that's a problem. A tax return is not an

emergency fund. So if you are counting on your tax return in order for you to make a payment or in order for you to get ahead or in order

for you to go on a vacation or whatever that may be, do not bank on your tax return. Do not bank on your

tax return. That is why you need an emergency fund. A tax return is not an emergency fund. Okay, that's first and foremost. But for those of

...