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Save around 10% of your every paycheck to open a savings account. At the end of the year, if you have enough $$$ saved, go open an IRA account (it's never too early to start saving for retirement...make use of that compound interest and tax-deferred / tax-deductible benefits). My refund is only $240 but it comes to $500+ after my IRA contribution.
Oh yeah, just to let everyone know, we have up to Apr. 15 to make 2003 contributions to our IRA (max of $3,000 contribution per yr...$3,500 if you're over 50). You can open an IRA account for as little as $500.
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