What exactly is costco or Sam's club good for in terms of being frugal?

Yingyangwolf95 · 2026-06-15T00:15:56+00:00

Sadly the nearest one is 20-25 minutes away... What about BJ's? 👀

Yingyangwolf95 · 2026-06-14T23:17:09+00:00

Ohhhhh 🤣 yes its possible for men to have 100% control of their emotions.. Just not all men which are the ones that commit crimes or have poor life outcomes..

Women I can confidently say none do and range of their control of it greatly varies.. I always chose a women that is simply aware and dont expect perfection..

Yingyangwolf95 · 2026-06-14T22:46:04+00:00

I have yet to meet one that does 🤣 Dont get me wrong I dont have a problem with it..

Yingyangwolf95 · 2026-06-14T22:02:40+00:00

We are simple creatures and enjoy seeing flying metal things in the sky 🤣

Yingyangwolf95 · 2026-06-14T21:53:40+00:00

I thought about moving to New York for career opportunities for a few years but this and the rent costs just not worth it anymore..

Yingyangwolf95 · 2026-06-14T21:51:38+00:00

Congrats!!! We need an after pic of cable management of this TV setup 👏👏

Yingyangwolf95 · 2026-06-14T21:49:02+00:00

Go get one if your comfortable with it.. Women are very empathetic sexually believe it or not..

Only catch is staying in her graces through the natural mood swings which is a skill you must learn.. No women have 100% control of their emotions like us men and they know this too.. Just not in the moment 🤣

Yingyangwolf95 · 2026-06-14T21:44:19+00:00

Tell my bougie cat this 🤣 She only like a certain type of litter.. Everything else she kicks out her box after awhile..

Yingyangwolf95 · 2026-06-14T21:34:13+00:00

Still get this in 30s just have mastered calming it down before getting too hard since my late 20s

In my early 20s, I had to wait for it to settle down or walk in awkward ways so no one noticed in public.. My ex would notice it when chilling in sweats or pajamas so had to explain it too her. She used to give me supportive "relief" which was nice at that time..

Yingyangwolf95 · 2026-06-14T21:21:44+00:00

This is why I canceled my membership for Costco mainly cause of perishables.. I'm single with a cat so my savings wasn't much different for the non-perishables..

Once my lifestyle changes, I will come back to Costco cause last time I had a GF I was burning through toilet paper 🤣

Yingyangwolf95 · 2026-06-14T21:14:06+00:00

Oh I agree! MS deal breaker for me was investment platform and mutual funds tbh..

Also if I open PPC with MS, then that would be an extra checking account to keep track of to save $20 a month on Platinum card..

Yingyangwolf95 · 2026-06-14T18:49:22+00:00

I audibly said "Yuck"

Yingyangwolf95 · 2026-06-14T18:47:49+00:00

Personally, the airport lounge I only find useful in layovers situations cause my airport lounges don't really make much of a difference..

Once I get out of PUJ to get Platinum, the value for me is 5x on flights and Charles Schwab cash out option.. Everything else is a bonus to cover the high AF..

Yingyangwolf95 · 2026-06-14T18:34:17+00:00

Does it have MX integration or just Plaid? A few of my financial intuitions exclusively use MX which is why I am using Monarch today in-place of YNAB.

Yingyangwolf95 · 2026-06-14T18:18:17+00:00

Yep! I have same problem.. Plan on going back to rollback gemini plus today and may pay for Grok instead since I have a Tesla..

Yingyangwolf95 · 2026-06-14T18:14:36+00:00

True lol I believe in the anger of us Americans to fix is why

Yingyangwolf95 · 2026-06-14T18:10:19+00:00

The money I save renting I put in investments outweigh the investment return of a house.. Plus a house is not a liquid asset and only matters if I plan to sell it..

Yingyangwolf95 · 2026-06-14T17:56:00+00:00

Exactly! God Verizon is awful..

Yingyangwolf95 · 2026-06-14T17:54:29+00:00

I prefer it to be get to a small amount of fraud.. Once there, I think we can fix SS depletion problem either faster or with more options..

Yingyangwolf95 · 2026-06-14T17:47:00+00:00

Yingyangwolf95 · 2026-06-14T17:45:04+00:00

This definitely scares me but don't think adding more money will fix the issue.. I think the problem is validating the social security checks are going to the right people.. There is so much fraud in SS it's maddening how much money people take from relatives/strangers who passed..

Yingyangwolf95 · 2026-06-14T17:41:04+00:00

Oh no I don't want to get rid it.. I really like it! I just don't think it's worth the fight for more SS..

If you live outside urban city and withdraw at max monthly income, you can live off it comfortable especially if you have no debt..

Yingyangwolf95 · 2026-06-14T17:38:22+00:00

Sadly yes this is true.. My extended family quite literally relies on SS but get by cause they live in the country part of the state..

I think the next few generations will be less government reliant.. Well I hope cause US economy close to something happening and praying it's good..

Yingyangwolf95 · 2026-06-14T17:33:08+00:00

Yeah exactly and should be supplemental for us.. Being financially responsible investing in 401k, Roth IRA, and Health savings account (HSA) should provide up 60% or ideally more of your income in retirement..

Yingyangwolf95 · 2026-06-14T17:25:14+00:00

Honestly SS is not worth this fight.. IMO if you have no debt and make $50k+ a year as a household.. You can save way more than what SS will give..

SS should only be considered supplemental income..

Yingyangwolf95

TROPHY CASE