TESS VIGELAND: Hear that? That tick-tock, tick-tock of the clock that stops your time, runs out? Tick-tock. Tick-tock. And why? It’s that time of year. Take stock of earnings and lock deductions. Tick-tock. The IRS knocks at 12 o’ clock on Tuesday. Tick-tock. Who knows? You might just walk away with a refund. Tick-tock. Tick-tock. And what would you do?

FEMALE WHO IS RETIREMENT-CONSCIOUS: I’m planning to save it for IRA retirement.

FEMALE TAX-BILL PAYER: With our tax refund, we plan to put it toward the next tax bill.

MALE INVESTOR: We’ve already received it, and we’re investing it in our retirement and kids.

MALE WITH CREDIT CARD BILLS: Pretty much to pay bills. They get on my credit cards . . .

(ANOTHER) MALE WITH CREDIT CARD BILLS: Well, I’m gonna pay my credit card bills. And also, I’m gonna pay the final bit of my financing for my vehicle. And possibly, just put it away in my 401 and see what happens in the future. The stock rises and falls. It all depends.

GENERAL FUND-COLLECTING FEMALE:
Use it to . . . you know, and all the stuff.

FEMALE TRIP-GOER:
I’m going on a trip, so if the train didn’t get through Europe, and a lot of it, I guess.

FEMALE WITH HOUSE AND CAR ISSUES:
I’m gonna pay my property tax in the house for $2,000. And since I just found out from my car that it just broke for $2,700. I’m gonna pay that, too.

FEMALE BUSINESS OWNER:
Tax refund? I’ll put it back to the business. We are business owner. So we’ll use it as operational expense.

FEMALE PHILANTHROPIST:
I’m going to send it to a village in Africa.

FEMALE VACATIONER:
Yes. I plan to use my tax returns this year to go on that vacation.

FEMALE BILL-PAYER: I just wanna pay bills. It’ll go to my tax returns, definitely.

VIGELAND:
Voices from Grand Central Station in Manhattan. Wayne Mob produced the piece for us.