We got a small one (under $200), it went straight to savings. I know in some theories it is best not to get a big one but we withhold at the higher single rate just to balance our combined incomes since once they combine we jump two tax brackets. I remember days of getting huge returns and buying furniture, bikes or trips. Ours did put a larger jump into our emergency savings goal so I am happy about that. A lot better than waiting on our small paycheck withholding to get us there.