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You want 21 percent risk free? Pay off your credit cards.
You stick a credit card in a machine, and you pay $3 or whatever it is to get cash - your own money.
Your goal should be to pay off your credit card bills in full at the end of each month and set aside money toward your emergency savings.
To bring down your credit card balances, write down the benefits of reducing your debt. No more gnawing feeling that you're throwing money away, perhaps. More money flowing to other financial objectives. Then consult the list when you have doubts.