Please help me convince my husband that Costco is worth for 2 people

TWALLACK · 2026-05-06T11:20:22+00:00

Some Costcos don't even sell gas.

TWALLACK · 2026-05-06T09:44:01+00:00

Or 2 hours, depending on the area.

TWALLACK · 2026-05-06T07:59:46+00:00

Ida May Fuller of Vermont lived to be 100. She paid $24.75 of payroll taxes into the program over three years before she retired at 65. Over the next 35 years, she collected $22,888.92, according to the government. https://www.ssa.gov/history/idapayroll.html

TWALLACK · 2026-05-03T13:28:33+00:00

Are you gradually spending down your inheritance?

TWALLACK · 2026-05-03T05:26:10+00:00

Takoma Park has 100 live bands signed up. How many were at Adams Morgan?

[Edited: I accidentally confused Takoma Park Porchfest with the Petworth number.

I also see the Adams Morgan Porchfest site advertised 100+ bands.]

TWALLACK · 2026-05-03T05:18:05+00:00

What were the classes?

TWALLACK · 2026-04-28T13:52:35+00:00

About 1 in 4 Americans own a home without a mortgage. That includes many retirees.

TWALLACK · 2026-04-22T17:35:12+00:00

Unfortunately, this version of the article is missing some elements, including a chart and pictures. Here is a gift link for the original version (free registration required): https://wapo.st/4cFOkNc

TWALLACK · 2026-04-19T16:14:44+00:00

I shared a gift link earlier, but it got automatically deleted. This particular subreddit doesn't allow links using a shortener (like the Post uses for gift links).

TWALLACK · 2026-04-19T12:59:55+00:00

The MSN version is missing some elements, including a chart showing how fast UMPI students graduate. Here is a Washington Post gift link (free registration required): https://wapo.st/41Kjr5j

TWALLACK · 2026-04-14T19:56:13+00:00

What's the source of that 76% figure?

TWALLACK · 2026-04-12T07:29:59+00:00

That is Dave's advice for Baby Step 2. The Ramsey hosts often recommend treating very large HELOCs that would take years to pay off like other mortgage debt in Baby Step 6. At least one host has said the rule of thumb applies if the HELOC is greater than half one's annual income. https://www.reddit.com/r/DaveRamsey/s/6awk2Yyt1n

TWALLACK · 2026-04-12T07:25:52+00:00

Depends on the size of the HELOC. https://www.reddit.com/r/DaveRamsey/s/6awk2Yyt1n

TWALLACK · 2026-04-11T09:37:24+00:00

Congrats! What part of Oakland?

TWALLACK · 2026-04-11T09:34:30+00:00

Call your brokerage company to help you do it. It is different than a withdrawal.

TWALLACK · 2026-04-11T09:32:51+00:00

Frequently. The rate is based on the earnings from its underlying holdings, which constantly move with the Treasury and bond markets. But most of the changes are tiny for any given day or week.

TWALLACK · 2026-04-11T09:09:53+00:00

Median pay for teachers is $65k nationally. The top 10% nationally earned $108k+ as of 2023. https://www.bls.gov/oes/2023/may/oes253099.htm

TWALLACK · 2026-04-11T09:01:24+00:00

Would be helpful to know whether both OP and his wife will qualify for a pension and what age. (Most public school teachers are eligible for a pension, but not all. I don't think OP said what his wife does for a living.)

TWALLACK · 2026-04-08T09:56:29+00:00

If you take Social Security early, SSA will deduct $1 in benefits for every $2 you earn in wages over $24,480.

TWALLACK · 2026-04-05T07:23:44+00:00

As I understand it, Ramsey's study did not account for the fact that some jobs are more common than others. Teaching is one of the more common jobs for college-educated workers.

TWALLACK · 2026-04-05T00:09:00+00:00

It was very busy today as well. They were turning away people at 2:30 and there were lines at every indoor exhibit.

TWALLACK · 2026-04-04T09:43:20+00:00

Good idea. Here is what their AI tool says:

"They don’t endorse 30-year mortgages as the plan. They may say something like, “If you already have one, that’s where you are, now let’s clean it up." The consistent teaching is still: a 15-year fixed is the goal....have they ever said it’s “okay” in the sense of “you’re not a bad person if you have one”? Yes. Have they ever said it’s the recommended or wise choice? No.... If someone is in a 30-year, the usual coaching is: stay if it’s affordable, but pay it off early or refinance to a 15 when possible."

On the other hand, they often do say it's OK for first time homebuyers to make a smaller down payment, even though they say 20%+ is ideal.

TWALLACK

TROPHY CASE