Tax day is upon us. Our tax refund is about $4,000 this year. Thats combined refund between federal and state taxes. Our effective federal tax rate is 13.9% which is a bit less than the 14.9% rate last year. But I think this years rate includes the approximately $1200 we received in tax credit from air sealing and insulating our home. We don't have any special goal for the tax refund in mind at this point. It will go into our savings.