Many people are preparing to file their income tax returns. I recommend that you do not opt for the rapid refund, because most of the time you leave too much money on the table. This year, if you are one of the individuals who will receive a refund, make your best effort to put away as much of that money as possible in some sort of account which will allow you to build a savings. Your ultimate goal should be to have atleast four to six months of your monthly salary in a savings account. Prepare now for your rainy day.