audrey perez has a question. >> i think you are amazing and thank you so much for all your advice. >>thank you. sorry. >> i recently received a cash bonus and i will be getting -- i hope you don't ask me where i work. income tax refund. i wanted to know when to do with it. i have 401(k) loans that i got before i started watching your show which i would never do again and also credit card debt. what's the best way to use it? >> how much of a refund? about $3,000? >> yes. that was really good. >> how did you know that? that was freaky. >> how much credit card debt tough? >> i was afraid you were going to ask me. it's a lot. >> 15, 20? >> about that. >> there we go. did i impress you again? >> this is getting very, very unusual. mystic suze. >> if you were to increase exemptions and not get a tax refund, you would be getting $250 more per month on your paycheck. you could then take that $250 more a month and pay it now towards your credit card debt. next year, this year, raise your exemption so you don't get a refund anymore. what should you do? put it towards credit card debt. >> what a