I do.

I have enough in a scenario (without dipping into my 401k) that if for some reason that I don't have a job/lose my job due to restructuring, etc., that I have a 6-8 month window in terms of savings, more or less.

No major credit card debt. Only major debt I have is a car loan. Other than that, that's all I have. (excluding your normal cell, electric, water, basic bills.)

Hoping that scenario never happens, of course.

Same.

That's fair. Out here, designations change so it's best that I take care of it myself.

At one point, no one would insure any of the homes in our neighborhood so I had to use an out of state insurer. But around 2007 or so, with all of the new construction happening, we went from being a "Fire Zone" to not being a fire zone, so insurers like State Farm, Farmer's and Allstate began doing business in our neighborhood.

Before that, I had like three or four different insurance companies and it was a PITA.

If you didn't, you could probably score an extra 25 cents in interest income annually if you put it in a savings account.

Think what you could do with that extra 25 cents. Of course, that 25 cents would be taxed, so keep in mind that is a gross amount, not net.

I would go insane if I lived that way.

I dropped half that much drinking last night.

This has nothing to do with nothing, but I've been meaning to ask you whether you've ever worked with Mark Isham. An old Group 87 album was one of my favorite obscure pieces of vinyl decades ago, then I started seeing his name all over in the credits of stuff I was catching on video. Made sense to me that he'd end up there. The Group 87 album was very "visual," if that description doesn't sound like nonsense. What I mean is that I could easily imagine the scenes that he might have meant to paint with his music.

Yes.
:rolleyes:

Why are you rolling your eyes? It was a legit question. I've owned my home for 14 years and have never put insurance or property tax in an escrow account.

...says guy who asked if you can still get a multi-policy discount if your premium is paid though your mortgage escrow.

**** off, you worthless old hag

Not shocking at all that your low rent ass would only earn .25 cents on your property tax per year.

I've never worked with Mark but I've heard that he's an interesting guy

Heh, even the guy who wrote the article doesn't have $400.

I get paid once a month as well. It was pretty tough to get used to. Especially when you hit a weird month that lands just wrong and you're going just at 5 weeks since a paycheck...