Housing agreement options are changing on a daily basis. In 2019, your decisions will be based on your personal finance and the marketplace.
In the modern economy, you may actually lose money by socking it away into a bank savings account.
Planning and monitoring your cash flow and keeping a current balance sheet will help you make sure you have the capital you need (including cash and credit) to run your business when you need it most.
If your tax refund is a meaningful amount of money, you should think carefully about how you want to use it.
