What to do with my money?

With banks only paying 1% interest tops, the best secure investment you can make is paying down debt which certainly has higher rates. Then start saving money for a down payment on a house.

You also could invest in high dividend stocks like Pfizer, Kimberly Clark, Altria (owner of Philip Morris maker of cigarets) all pretty secure and safe investments with dividend payouts between 4-6%.

Well for me, I think investing to a certain kind that doesn't depreciate in value or in materials and the only thing i can think of is a property like a house, a land, an apartment etc. But not just anywhere, you have to make a little research, places within the US or maybe to other countries where buying properties is cheap. You have to consider a lot of things like, weather, disaster prone areas, and even crime rates. economy should be stable so that you're property could sell quick and with a higher price when you decide not to live there. At least your money savings earned in triple or maybe more. Chose or research first on where to retire, consider also Asia.

Banks are the worst place for financial advise and always have been because their "planners" are exempt from both licensing and education standards that professional s have to have because they work at a bank. Banks put a lot of pressure on their sales staff as well. Go to American college web site and look for a ChFC who does fee only services or go to almost any brokerage office and only talk with someone series 7 licensed. There are a few series 6 people who are competent but because a monkey can pass the test it is tough to find a skilled monkey