Most of us spend our tax refunds, averaging $3,022. I invested my $3,000 a year in low-cost mutual funds. I use a special IRS tax-FREE trust to grow assets. My retirement income is FREE of income tax. "Only the little people pay taxes." Leona Helmsley The average American family loans their government $3,022 a year without being paid interest. They then spend $128 to $233 to get it back and then blow it as if they won the lottery. Meanwhile, 58% of us have little or no pension coverage. I started investing $3,000 (inflation-adjusted) a year in 1969, and have hit my goal of a $1,000,000 a couple of times. In recent years, I have been using a special tax-FREE account to grow my assets. I have also been converting my old 401k pensions into tax-FREE assets. I convert an amount determined by the amount of tax I must pay. When I start taking money out of my tax-FREE account after I'm 59 and a half, I will not have to pay federal or state income taxes on the money. That means I can spend an extra 25-30%. I may not need to pay income tax on my other income including Social Security. I know taxes will go up to pay for two wars and two GOP tax cuts. These deficits were not necessary in my view. Plus, now I know that the Mitt Romneys and Warren Buffetts of America pay only 17% total tax. 3/4ths of corporations pay nothing. GE even gets refunds from we taxpayers I want to show you how to use your refund-"wasted" money-to build assets and pay NO TAX in the future. You can take advantage of a low-cost trust that will pay tax-FREE income.