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What is Payback and return on investment in insulation?

Insulation is an excellent long-term investment, as there is no risk of problems with your installation and no required maintenance. Insulation continues to save you energy year after year. Consider other ways to cut back on your energy bills. For example, solar panels and windmills require maintenance, and have a higher cost-benefit curve in comparison to insulation. Similarly, wood pellet prices may increase, and used fry oil may not always be free or available. These alternative means of energy savings can be good investments, but are far less stable than insulation.

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What is Payback and return on investment in insulation?