So I'm assuming I will probably have a decent amount coming back to me because I never switched from single to married with my employer.. With a refund I have differing opinions and pending how much I get back: Do I pay another month on my house(have a 15 year on it but would like to get it paid off as quickly as possible to have it as a rental then rinse and repeat), invest it, put it away as another safety savings account or a combo?
Here's how we decide between investing and paying down the mortgage: First, we invest a set amount every month (retirement, college, and dream fund). We also set a threshold of X dollars to keep in cash for our bills and emergency fund. Anytime our bank account balance exceeds that amount after bills and investments, we scoop off the excess and put it towards paying down the mortgage. It works really well.