A premium subscription is required to access this article. Article Date: 08/24/2016 What Do You Intend to Do With Your IRS Refund? An income tax refund is not found money or a gift. When you receive a refund from the Internal Revenue Service, it means you paid more money than you owed in taxes and now the government is returning it. Financial advisors have a term for this: an interest-free loan.Still, it’s better ... Log in to view full article. If you already have a subscription, please log in with your email address and password. User Name (Email Address): Password: Forgot your password? Click here to have your password emailed to you. To purchase a premium subscription, please use the links below. One-year premium subscription with unlimited access to all articles including reprint rights (see terms and conditions) for $2,000.00. Monthly subscription (3 month minimum) with unlimited access to all articles including reprint rights (see terms and conditions) for $195/mo.