Chop credit card interest rates. Cut my mortgage payment by 33%. Then I'll be in the black instead of the red. I'd also like a guaranteed cap so the Jones don't have more than me. Is there an investment that I can participate in that will guarantee me a large rate of return? No... those large rates of return come with HIGH risk of loss. If I'm prudent and invest in savings bonds I'll be guaranteed after 10-20 years to have doubled my money. How boring. I'd rather own a hockey team.