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Roland Martin talks to America’s Wealth Coach, Deborah Owens, about what to do with your tax return.

“The average tax return is $3000.  The first question is, if you have any debt, give yourself a raise. If you have a high interest credit card and pay it down. This is a great time to start some sort of mutual fund. You can open up a ROTH IRA. Many mutual funds will let you start with $150 a month,” Owens said.

Click the link above to hear the entire interview.