Looked at doing taxes last night. I believe we will get a couple K back which will pay for our trip east coming up later this month. If my DH gets a bonus we have a chance of once again becoming debt free. Then we will build up the EF again. It was frustrating to be so far ahead and then lose it but we needed to help out. No regrets except that we didn't start soon enough to have an EF large enough to handle it. Then we would have saved the interest. Next years taxes will be better. DH is going to change the deduction so we don't owe anything and pay very little, then all we get back is the credits we will be entitled too and the IRS doesn't get a free loan.