not trying to get too deep into anybody's business but what do you guy's do that you have to pay $4000-$4500 a quarter? I guess if you make the big bucks tax refund time sucks. I hope to get a good chunck this year due to buying my first house and having my first kid. Metro hit the nail on the head....I have so many wants of things to get but I guess i am going to have to be responsible about it and take care of a few things first and probably put the rest of it into savings. I hate being responsible.