Suze Orman, no offense guuuuuuurl friend, but I beg to differ with your financial advice for young women. Here’s what I’m thinkin' -- ladies, it’s never too early to plan how you’re going to spend your tax refund check. So for once in your life, don’t spend it on something frivolous. Trust me, in six months you won’t be wearing those MBT’s. A smart girl invests her money wisely. Think to the future and put your tax refund check into something substantial, invest in laser hair removal of your bikini area.

Sure, it’ll set you back a few hundred dollars, but think of all the money you’ll save on razors, shaving cream and waxing. A lasered bikini area doesn’t have FDIC insurance, it has something better. You have the insurance of knowing if you want to get frisky, you don’t have to worry about finding a ferret in your panties. You’re always good to go. Take that federal reserve!

Laser hair removal has a better return than any 401k, not 2% or even 10%, you’ll get 100% vagina confidence. While other funds may lose value, your sleek bikini area will earn huge interest. Mention your new investment to any guy you meet in a bar, and he’ll start buying you mojitos just to take a peek at your portfolio.

I’m grateful for tax refund checks because they allow me to make my own investment decisions. I don’t need a financial advisor, I can empower myself. No matter how bad the economy gets, and no matter how many banks fail, I know my fur-free girlie area will be open for business.

That’s why I’m grateful for tax refund checks.