Right now, you would find it difficult to find an investment that could earn a higher rate of return than investing in your own debt!  For example, if you have a credit card balance that's costing you 15% per year, you will get a guaranteed 15% return on your investment paying off your debt. There is no other investment that can give you a guaranteed 15% return. What's more, your earnings are tax-free. That would equal a taxable return of about 20%. Now that's a good investment!