"The fact that it's coming as an opportunity from the government directly to take advantage of the product is a different twist, " said Steven Streit, the firm's chief executive.

WSJ: Tax Refunds Move to Debit Cards

Rather than avoiding struggle -- or worse, denying it exists -- those looking to take their career to the next level must learn how to embrace struggle as an opportunity for learning and growth.

CNN: Why struggle at work is good for your career