Hey Phil, I know your an "el cheapo" so I got an extreme "el cheapo" idea for you. My friend also an el cheapo did this last year. This seems to me a bit on the wild side but he did it and it's totally legal. Last year my friend sold his house for around 150k. He put all the cash gs online saving account. Moved back in with his parents for year. He recently withdrew all the cash. He would up making around $2,500 bucks in interest off Goldman Sachs. Now he's soon on his way to live over in Vietnam with all of his traveling expenses covered by Goldman.
+ they screwed over the American middle class in 2008 so at lest he felt like he got his retribution.