Hi When your talking ROI how long are you planning on living there in this house a couple years and then moving to something newer or planning on staying a long time? If its just a couple of years your going to save enough compared to what you put in but if your in for the long haul yes the investment will probably be worth it. I would put some extra insulation in the ceiling. Invest in good energy saving window treatments. Personally I would put in a insulated garage door ( assuming the outside walls are insulated) even though the garage is not a condition space it will act as a buffer between the house and outside temperature. Also the items you store in the garage will not be subject to the higher temps a uninsulated garage may have. Depending on how large and layout of the home install zoned ducts with separate smart thermostats for each zone. Low flow shower heads 1.5 gpm to 2.0 gpm water is not cheap and your also paying to heat that extra hot water used. Irrigation there may be a saving depend on how large of a lot you have to water
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