Here's a freebie opinion:
Does your job offer a retirement savings plan or 401k?
If so, you can take advantage of hidden gains.
First off, if you get a tax return over 1000 bucks a year, you should think about increasing your allowances or dependants you claim. If you claim 0 or 1 on your W4 and receive a hefty income tax return every year you may be losing potential gains.
Changing the W4 dependants to (example) 99 would cause probably 0 dollars to be withheld from your weekly paychecks. I don't advise anyone to go that high but with some simple calculations you could come closer to getting 0 back on your income tax return. Next, find out if you can deduct pretax in the investment elections and proceed to increase the % to equal the amount that would have been overpaid to the IRS. This not only puts your income tax return into your savings or retirement, but it also reduces your tax liability for the year without decreasing the weekly amount you expect to live off of after deductions.
It's that simple. Reduce your tax liability while increasing potential gains. If you are afraid to put money into stocks I'm sure there is a fund like "income stable" (basically 1.5% promised with little variation). Already you have now gained 1.5% off of investing your return while simultaneously reducing your tax liability (burden).
Now if you are strapped for cash you can borrow from your retirement at a low 3.25% or market rate. Those payments are made, WITH INTEREST, towards your own investment account.
This money can be used to payoff: