I was at a meeting recently where some interesting research was shared.  In essence, Duke University and the company that makes a tax program reached out to more than 900,000 individuals concerning their tax refund.  They included a motivational message or suggestion to save part of your tax refund this year.  This group of tax filers deposited almost $6 million more into savings accounts than they would have and at least one fourth were able to save their refund for at least six months.  So, here’s the reminder message for all of us: don’t forget t