A finance guru has issued a stark warning to those celebrating hefty tax returns, cautioning that they might have missed out on “free money” amid the latest viral craze.

The TikTok sphere has been abuzz in recent months with young workers flaunting their first-ever tax refunds, many feeling as though they’ve hit a jackpot of “free money”.

But one savvy influencer is shedding light on the potential pitfalls of these windfalls.

Yella, a software engineer turned financial influencer with thousands…