Aw, cute. Someone spent all the time and effort on a survey to study how Americans will spend their tax refunds, as if we don't already know.
Bills, the answer is obviously bills. Inflation is crazy, wages are inconsistent at best, and rent is more than a mortgage these days. Our banks accounts have become this adorable little spot where, on pay day, some numbers populate for a euphoric 30 seconds, just before they disappear into our landlord's bank account.
Or we say "screw it" and you and I go halfsies on a jet ski. Yeah, that sounds way better. We'll let future us deal with the ramifications. She's older and wiser anyway.