The average income tax refund (overpayment to the government paying no interest) is about $2800. Instead of blowing that money, it's time to get serious about ensuring financial security in retirement. With as little as $100 (yes, one hundred) you can start a Roth IRA with Schwab in their total stock market index fund (SWTIX) https://www.schwabplan.com/FundDetail/SWTIX.pdf
For $1,000 consider a target retirement fund Roth IRA with Vanguard: https://investor.vanguard.com/mutual-funds/target-retirement/#/
Get started today!