> I'm allergic to monthlies Me too. The way I look at it, if I'm going to live off 4% of my assets a year in retirement, I need an extra $1500 to fund a $5 a m

> I'm allergic to monthlies Me too. The way I look at it, if I'm going to live off 4% of my assets a year in retirement, I need an extra $1500 to fund a $5 a month recurring charge. So it's a matter of looking at how long it would take to save that $1500 and asking if I would commit to working that much longer before I retire in order to afford the recurring payment. If "that much longer" is measured in days/weeks/months instead of minutes or hours, the answer is almost certainly going to be no.