AND WILL CONTINUE UNTIL FRIDAY. Rhonda: 5:45 IS YOUR TIME. JUST WHEN YOU THOUGHT YOU COULD TAKE YOUR TAX REFUND AND SPLURGE ON SOMETHING YOU’VE BEEN WANTING, ALONG COMES A RECOMMENDATION ON WHAT YOU REALLY NEED TO DO WITH IT. CHRIS CLACKUM TELLS US WHAT YOU SHOULD BE SPENDING IT ON. Reporter: IF ATTEMPTED TO USE YOUR TAX REFUND TO INDULGE YOURSELF, YOU’RE NOT ALONE. MAYBE A DAY AT THE SPA. I KNOW THAT SOUNDS CRAZY, BUT JUST A DAY OF TOTAL RELAXATION. Reporter: BECAUSE THE IRS IS ON PAY TO MATCH LAST YEAR’S REFUND CHECKS THAT AVERAGE $2800 APIECE, SOME HAVE ALREADY SPENT IT. IN AN IMAGINARY WORLD, I WOULD GET SPORTS TICKETS. Reporter: IT DOESN’T TAKE MUCH IMAGINATION TO FIGURE OUT WHAT TO DO WITH IT. PAY OFF HIGH INTEREST RATE DEBT, LIKE CREDIT CARDS. Reporter: HE SAYS CREDIT CARD DEBT IS THE MOST INSIDIOUS BECAUSE IT GROWS DAILY. BUT ALSO RECOMMENDS PUTTING REFUND MONEY INTO AN EMERGENCY FUND THAT REDUCES THE POTENTIAL FOR MORE DEBT. AND THEN DEPOSITING MUCH, IF NOT ALL, OF WHAT’S LEFT INTO A RETIREMENT ACCOUNT. MAKING SURE YOUR