Tax Returns: Nothing, a new DAC or... ?

Pay off the credit card then apply for one of the zero interest credit cards for 12 to 18 months. Then buy the DAC of your dreams and you have a year to pay what you purchased it for. If you can’t pay it off in a year apply for another zero interest card and transfer the balance. There is usually a fee but it a lot less than the interest you’d pay or just plan for next years tax return to pay of the balance. This should save you almost 10% of the purchase price and then you can apply the interest you saved to more gear...

Money isn't going to help you with the end of days.  Ammo on the other hand

Man, as one who is self-employed, I always owe, not get a ‘return’ on what I have already paid 🙂 I actually prefer it that way, and always have.

Enjoy spending *your* money, hoping to get back a portion already paid.

Alas, the 7’a are sold. I’m very happy with my upgraded Chapman’s but can listen in a different league. Extensive listening to Magico A3 and A5 with Krell to with engaging, satisfying effect. The S5 and S7’s with D’Agostino to hair raising effect. On the other hand, I wept while listening to Rutter’s Requiem through the Vandy Quatro’s. 

Clear out those credit cards!! 👍

Pay off the credit card but if you have any left over, you could consider adding the Uptone Audio JS-2 power supply to your Brooklyn.  I use a Brooklyn Bridge and felt it made a pretty significant improvement.