The card that represents the situation is Il Bagatto (The Magician) reversed. The Magician reversed can indicate a time of confusion and uncertainty. You may find it difficult to make sound financial decisions, perhaps because you lack the knowledge to make the right decisions. In addition, the reverse Magician can also indicate a lack of confidence in yourself and in your ability to manage your money well.
The second card that represents the challenge is the reversed Four of Cups. This card indicates that you may not be able to make the right decisions about your finances. The card also indicates that you may not be ready for the financial challenges that will come your way and you will need to learn how to manage your money appropriately.
The tarot advises caution in dealing with the current financial situation. Although it may be tempting to invest your tax refund now, you should first take some time to better understand how to manage your money, discover which options are best suited to your needs and learn how to best manage your finances in future. Only in this way will you be able to invest responsibly and get a good return on investment.