I have these printed and at my site:

What I suggest to my clients who get a large Refund:

1. Split Your Refund: put some away in another account for emergencies. I am very passionate about this I have all my volunteers participating.  I even do a raffle of $100,$50,and $25 gift cards. People need to either split their refund or put ALL of their money into a savings account. At the close on April 15th we have a drawing. The volunteer who signed the winning client up gets a $25 gift card as well. **I haven't done since COVID but hope to restart for TY2022--This I did at my home site, myself--not at all sites

2. Can you use an extra $100 a month? Of course you can, and sop can our clients. I suggest they put $1200 of their refund into a savings account and ask their bank to put a hold on it. With my bank I can have them automatically release $100 a month into my checking account. Can you use an extra $200 a month, then put $2,400 into an account....

3. Adjust your withholding: If the client has withholdings, suggest they adjust the withholding so they have more in their pocket throughout the year instead of the IRS holding their money all year just to give it back (and without interest).
​
I just make the suggestions and drop it--I am not their mother :)  But most are like: That's a great idea!

From Prosperity Now: Start the Savings Conversations Toolkit

---