And also, the decrease in tax refunds will have a broader economic impact over the next few months.

Need new furniture? Sorry, you’re only getting $112 back this year.

Need a car? Hope you can find something with a REALLY low down payment.

Need new clothes? They have some good deals on the clearance racks these days…

Want to go on a vacation? Might be able to afford one night at a hotel and McDonald’s for dinner if you’re lucky.

Want to pay down debt? Hahahahahahaha!