Dave Ramsey as a Wedding Gift??? Not to sure about that?

[ilovemk76]

Personal as in it's a subject that comes with lots of values and judgments attached to it. What is frugal to you, may not be to me. What is saving to you, may not be to me; therefore, no matter how close you are to a person, you should never make the decision that they will need a financial savings program as that is passing judgment on them. They may want to save in another way besides going to a 14 week seminar. Ramsay's program is one way to save, and it's not anyone else's job to force that on anyone else, especially as condition for receipt of a gift.

Incidentally, we are very close to my sister/brother in law and parents as well. As I mentioned, my hubby is the family banker, so he knows what is in the accounts, and we all talk very openly about finances too. Especially my parents, as they have a big portfolio that my sister and I will inherit one day, so they make sure we know what is going on, plus, we are co-executors of their wills, so we need to know, should anything happen to them. Plus they are in business together, so we need to know for that reason too. I really don't think that's the norm though. None of it is ever done in a bragging way either.

I would say though that on an Internet message board, that is not necessary. No one here needs to know how much you or I make in terms of an informative nature, like for wills or estates as I mentioned. I fail to see how mentioning how much you make serves any useful purpose? Everyone's financial situation is different and based on many variables: job security, cost of living, investments, etc. So, mentioning how much you make serves me no purpose as I don't live in the same city as you, and therefore, my cost of living is different, plus, I have 2 children.

This thread is interesting, from the perspective of seeing how people feel about a strings attached gift, especially a financial education program like Ramsay's. I don't see how mentioning personal salaries is relevant to that though? We also discuss money around our kids and nieces, so that they learn about cost of living, savings, etc., but mentioning salaries is really not necessary, nor relevant to young children, as all they are most likely going to do is mention those numbers to someone else, and I fail to see how that serves any useful purpose either?

Tiger

I would never give a person a gift like this. It would be like giving a women a Weight Watcher's cookbook and then a check to pay for their dues to Weight Watchers.

ITA with you point about the internet and talking about money to others. When it is something that you will have to deal with you need to know the details. When teaching a lesson nobody needs to know how rich you are.

I love Gail Vax-Oxlade. I am sure she is a very wealthy women. She does not come on the show and tell us she makes $X,000,000/year, saves $Y,000,000/year, paid $Z,000,000 for her home (who gives the value of their home as the first words they use to describe their home unless they are bragging or want to impress another), has a net worth of $AB,000,000 and on and on. How does that help a family with $50K in debt and an annual family income of $70K?

She sets up a pie chart - 35% for housing, 15% for debt repayment, 10% for savings, 15% for transportation and 25% for life. She tells them to up their savings and add some to life when the debt is paid off. This will help those watching the show to get their house in order.

If Gail bragged at the start of every show (like a thread here) nobody would watch the first episode and the show would fall on deaf earn no matter how wonderful the information is.

 

[dvcgirl]

I would say though that on an Internet message board, that is not necessary. No one here needs to know how much you or I make in terms of an informative nature, like for wills or estates as I mentioned. I fail to see how mentioning how much you make serves any useful purpose? Everyone's financial situation is different and based on many variables: job security, cost of living, investments, etc. So, mentioning how much you make serves me no purpose as I don't live in the same city as you, and therefore, my cost of living is different, plus, I have 2 children.


Tiger

I'd disagree with you here. I think it is informative. Of course everyone's financial situation is different....whether they have kids, one income, live in South Dakota vs. Manhattan.......yada yada. Whenever people do mention their incomes on here....they usually do mention their "situation"....kids, city....or whatever the case may be. Or they've been around here more than 20 minutes and so the regular posters/lurkers who follow the kinds of threads they post on sort of know them.

There are lots of threads that will pop up here from time to time...where someone will ask...."How do you all get to WDW so often??!!??" Seriously....do a search....you'll find them. There's been loads of them posted over the years.

And the reality is that that poster is someone who has little discretionary income.....reading these threads from posters who talk about the 9 trips that they've taken to WDW in the past 18 months (which isn't considered "bragging" by the way)......

And someone like Mrs. Pete, or Crisi, or one of the old "regulars" around here would tell them....that you can't base your lifestyle to someone elses' without knowing their personal financial situation. They could make 500K a year, or be putting all 9 trips on their Disney Chase card. And so some people really *do* like to know how those people do it. They find it enlightening. Check out the number of lurkers vs. posters on threads like these. There are tons of lurkers percentage-wise vs. other threads.

And some of us are open and honest enough to talk about it.

I do appreciate the intelligent way that you made your statement though, even though I fundamentally disagree with you. We've all got a right to our opinions. I do enjoy it when someone actually expresses their words in an intellectual way rather than simply using just the little icons like this little guy...

 

[Tiger926]

I'd disagree with you here. I think it is informative. Of course everyone's financial situation is different....whether they have kids, one income, live in South Dakota vs. Manhattan.......yada yada. Whenever people do mention their incomes on here....they usually do mention their "situation"....kids, city....or whatever the case may be. Or they've been around here more than 20 minutes and so the regular posters/lurkers who follow the kinds of threads they post on sort of know them.

There are lots of threads that will pop up here from time to time...where someone will ask...."How do you all get to WDW so often??!!??" Seriously....do a search....you'll find them. There's been loads of them posted over the years.

And the reality is that that poster is someone who has little discretionary income.....reading these threads from posters who talk about the 9 trips that they've taken to WDW in the past 18 months (which isn't considered "bragging" by the way)......

And someone like Mrs. Pete, or Crisi, or one of the old "regulars" around here would tell them....that you can't base your lifestyle to someone elses' without knowing their personal financial situation. They could make 500K a year, or be putting all 9 trips on their Disney Chase card. And so some people really *do* like to know how those people do it. They find it enlightening. Check out the number of lurkers vs. posters on threads like these. There are tons of lurkers percentage-wise vs. other threads.

And some of us are open and honest enough to talk about it.

I do appreciate the intelligent way that you made your statement though, even though I fundamentally disagree with you. We've all got a right to our opinions. I do enjoy it when someone actually expresses their words in an intellectual way rather than simply using just the little icons like this little guy...

Thank you!

How is knowing your salary usefully informative for this thread though? The cost of living in my city is relatively low (although we have massively high taxes and deductions), compared to Manhattan or Chicago, so how does telling me that you make $250,000 help me, as someone living in another country with different tax bases, costs of livings, housing markets, etc.?

It would only help if our expenses and cost of living were identical. Telling me how much you make is not informative to me at all, unless we were discussing funding multiple trips to Disney each year. If that were the case, I could see that your income is higher, your expenses may be lower, and I could connect those facts and come up with a solid answer that you are able to fund multiple trips as you have more discretionary income to play with. But on this thread, and many others, your salary is not relevant, IMHO.

In relation to the OP's question, I would suspect that talking salaries and personal finances with a brand new sister in law, could feel high pressured for her, so you throw in a 14 week savings program, and that could be a difficult way to start a relationship.

Tiger

 

[dvcgirl]

Thank you!

How is knowing your salary usefully informative for this thread though? The cost of living in my city is relatively low (although we have massively high taxes and deductions), compared to Manhattan or Chicago, so how does telling me that you make $250,000 help me, as someone living in another country with different tax bases, costs of livings, housing markets, etc.?

It would only help if our expenses and cost of living were identical. Telling me how much you make is not informative to me at all, unless we were discussing funding multiple trips to Disney each year. If that were the case, I could see that your income is higher, your expenses may be lower, and I could connect those facts and come up with a solid answer that you are able to fund multiple trips as you have more discretionary income to play with. But on this thread, and many others, your salary is not relevant, IMHO.

Tiger

First of all. I didn't post our income in this thread.

So, you must have read it in another thread. Totally possible, because I mentioned it recently....but not here.

I know you've been around here a long time, and so you may have read it another thread I posted in the past or recently when I posted it. Again, you and I may disagree on this point, but at least you've done so intelligently and respectfully. Again....check out the number of posts...80-something. And over 3,000 people have lurked. People find this kind of discussion interesting. Yes, there are "coupon" threads and "buy one get one free" posts that get a ton of lurkers. But I'm talking about "discussion" posts. A lot of people are lurking.

Why? I'd like to think most enjoy the discussion....others enjoy watching someone like me get pummeled. That's the world we live in.

There are a couple of newer posters here that I don't recognize at all....have been here for 1/10th of the time that you and I have and already racked up thousands of posts. They have a lot of time of their hands.

Here's what I responded....regarding how we openly discuss money in *my* immediate family.....to one of your posts....I discussed an amount earned by my BIL when he settled a case...and my older sister. But I didn't discuss our income in this thread. I initially responded that we did in fact give a personal finance book as one of two engagement gifts to my cousin.

And as it frequently occurs....these threads head off in different directions. And the topic went off in the "money is too personal to discuss ever" direction....and I disagreed....and this was my response to your post:




"It's interesting to me how often people say "finance is *very personal*". I know we have that term "personal finance"....but I've always thought of that as personal as in......pertaining to the individual situation of that "person or people"....but not that "it's taboo to talk about it". Especially within the boundaries of the family.

We must be really weird, but in my immediate family....we talk about money.....openly. We even talk numbers and we celebrate accomplishment. We don't see it as "bragging" when my younger sister calls to tell me that her husband just settled a case and just made $250,000. We high-fived him, and then my whole family took them out to dinner. When my older sister was promoted to COO at her huge company (a huge accomplishment).....we sent a huge basket to her home in NC. And yes, she told me how much her raise was.

And she and her spouse earn close to twice what we do....and we're thrilled for them. My other sister and her spouse....sometimes earn more, sometimes less. But we talk about it. And it's not just because we're all doing well now....we (my sisters and I) have always been this way....and we've married people who operate the same way. My younger sister's husband in particular....he and his three brothers talk openly about finances.

And the little ones in our family (ages 4,5 and 6) are hearing us talk openly about finances and that hard work, education and dedication are tied to financial success. And I love that.... We talk to them about these discussions staying "in the family". So they know not to brag. But within a family, I think as long as all of the players are comfortable, it's not only okay to "talk money", it's healthy."

 

[Tistal]

Ok, I'll bite.....how is a vacuum cleaner "tacky"? Isn't the point of wedding presents to help set up house for the new couple? Seems like household goods are exactly in order....

Because we lived together for years (I'm sure someone on these forums will flame me to death for that), and we had an established home. The "gift" was meant to be a commentary about how I in some I don't understand her issue with me dig about my cleaning skills because apparently to her it's boarder line spousal abuse that he helps out with housework. I'm sure she's a charming woman to some people, but she's not to her son or I

 

[travelbug]

(deleted post - got my question answered as I kept reading the thread)

 

[Tiger926]

First of all. I didn't post our income in this thread.

So, you must have read it in another thread. Totally possible, because I mentioned it recently....but not here.

I know you've been around here a long time, and so you may have read it another thread I posted in the past or recently when I posted it. Again, you and I may disagree on this point, but at least you've done so intelligently and respectfully. Again....check out the number of posts...80-something. And over 3,000 people have lurked. People find this kind of discussion interesting. Yes, there are "coupon" threads and "buy one get one free" posts that get a ton of lurkers. But I'm talking about "discussion" posts. A lot of people are lurking.

Why? I'd like to think most enjoy the discussion....others enjoy watching someone like me get pummeled. That's the world we live in.

There are a couple of newer posters here that I don't recognize at all....have been here for 1/10th of the time that you and I have and already racked up thousands of posts. They have a lot of time of their hands.

Here's what I responded....regarding how we openly discuss money in *my* immediate family.....to one of your posts....I discussed an amount earned by my BIL when he settled a case...and my older sister. But I didn't discuss our income in this thread. I initially responded that we did in fact give a personal finance book as one of two engagement gifts to my cousin.

And as it frequently occurs....these threads head off in different directions. And the topic went off in the "money is too personal to discuss ever" direction....and I disagreed....and this was my response to your post:




"It's interesting to me how often people say "finance is *very personal*". I know we have that term "personal finance"....but I've always thought of that as personal as in......pertaining to the individual situation of that "person or people"....but not that "it's taboo to talk about it". Especially within the boundaries of the family.

We must be really weird, but in my immediate family....we talk about money.....openly. We even talk numbers and we celebrate accomplishment. We don't see it as "bragging" when my younger sister calls to tell me that her husband just settled a case and just made $250,000. We high-fived him, and then my whole family took them out to dinner. When my older sister was promoted to COO at her huge company (a huge accomplishment).....we sent a huge basket to her home in NC. And yes, she told me how much her raise was.

And she and her spouse earn close to twice what we do....and we're thrilled for them. My other sister and her spouse....sometimes earn more, sometimes less. But we talk about it. And it's not just because we're all doing well now....we (my sisters and I) have always been this way....and we've married people who operate the same way. My younger sister's husband in particular....he and his three brothers talk openly about finances.

And the little ones in our family (ages 4,5 and 6) are hearing us talk openly about finances and that hard work, education and dedication are tied to financial success. And I love that.... We talk to them about these discussions staying "in the family". So they know not to brag. But within a family, I think as long as all of the players are comfortable, it's not only okay to "talk money", it's healthy."

I do apologize as I thought it was this thread (it was the having a budget thread, which I thought I posted to, but my post didn't go through, as my laptop battery died!), and so I was concerned that if in fact that same conversation came up with OP's engaged couple, that it may scare the new SIL, or even the brother. Especially since they are just getting married and meeting family.

With regard to posts, I don't pay attention to the numbers of who has read the thread. Those numbers also include those of us who are posting and reposting, so not exactly that many people have read the thread. But even if they are just reading the thread, they may not feel comfortable in being active participants, as perhaps they just want to read for information or personal opinions? Maybe their response or opinion has already been posted, so no need for them to post their own response?

I am very sorry if you feel like you've been "pummeled" or attacked. That was no my intention at all, and I hope it wasn't the intention of others who have posted either.

As I have mentioned, my concern with openly discussing finances, gifting a savings program or money with strings attached in a new relationship, is that it may set up a negative first impression of the giver as someone who likes to control or force their views on others. I don't think that is the best way to start a new relationship. If down the line they get to know each other, and build up a relationship, then perhaps they may all be comfortable in discussing finances the way you and I do with our siblings.

Thanks for the discussion, Tiger

 

[dvcgirl]

I do apologize as I thought it was this thread (it was the having a budget thread, which I thought I posted to, but my post didn't go through, as my laptop battery died!), and so I was concerned that if in fact that same conversation came up with OP's engaged couple, that it may scare the new SIL, or even the brother. Especially since they are just getting married and meeting family.

With regard to posts, I don't pay attention to the numbers of who has read the thread. Those numbers also include those of us who are posting and reposting, so not exactly that many people have read the thread. But even if they are just reading the thread, they may not feel comfortable in being active participants, as perhaps they just want to read for information or personal opinions? Maybe their response or opinion has already been posted, so no need for them to post their own response?

I am very sorry if you feel like you've been "pummeled" or attacked. That was no my intention at all, and I hope it wasn't the intention of others who have posted either.

As I have mentioned, my concern with openly discussing finances, gifting a savings program or money with strings attached in a new relationship, is that it may set up a negative first impression of the giver as someone who likes to control or force their views on others. I don't think that is the best way to start a new relationship. If down the line they get to know each other, and build up a relationship, then perhaps they may all be comfortable in discussing finances the way you and I do with our siblings.

Thanks for the discussion, Tiger

No worries, and I didn't feel pummeled by you. You were having a discussion. And honestly, even the few who were acting like morons with their heavy use of the "smilies".....who cares. Honestly, if someone is going to debate a topic, it's far more interesting when they can string words together to form sentences.

As to the original poster's comments. That call was a woman who wanted to give the "gift" of Financial Peace and $1,000 designated for their emergency fund. I think we all agreed that telling them what to do with the $1,000 was a big "no-no". But this was her brother, and so maybe she did feel close enough to give Financial Peace. Maybe they're all Evangelical Christians.

I listen to the DR podcast every day....but that's just because I'm a personal finance nerd. I'm not a religious person, but I can sort of "block out" the Christian talk. There's a bunch of advice that he gives that I would never follow or advise to others, but mostly, he's entertaining. He's blunt....but so am I and so I guess that's why I find him amusing.

 

[crisi]

I'd disagree with you here. I think it is informative. Of course everyone's financial situation is different....whether they have kids, one income, live in South Dakota vs. Manhattan.......yada yada. Whenever people do mention their incomes on here....they usually do mention their "situation"....kids, city....or whatever the case may be. Or they've been around here more than 20 minutes and so the regular posters/lurkers who follow the kinds of threads they post on sort of know them.

There are lots of threads that will pop up here from time to time...where someone will ask...."How do you all get to WDW so often??!!??" Seriously....do a search....you'll find them. There's been loads of them posted over the years.

And the reality is that that poster is someone who has little discretionary income.....reading these threads from posters who talk about the 9 trips that they've taken to WDW in the past 18 months (which isn't considered "bragging" by the way)......

And someone like Mrs. Pete, or Crisi, or one of the old "regulars" around here would tell them....that you can't base your lifestyle to someone elses' without knowing their personal financial situation. They could make 500K a year, or be putting all 9 trips on their Disney Chase card. And so some people really *do* like to know how those people do it. They find it enlightening. Check out the number of lurkers vs. posters on threads like these. There are tons of lurkers percentage-wise vs. other threads.

And some of us are open and honest enough to talk about it.

I do appreciate the intelligent way that you made your statement though, even though I fundamentally disagree with you. We've all got a right to our opinions. I do enjoy it when someone actually expresses their words in an intellectual way rather than simply using just the little icons like this little guy...

I think that on a board like this, being somewhat honest about these things IS important - this is sort of like a cocktail party, but its also fairly anonymous. You guys know things about me I'd never tell a casual acquaintance. But you don't know my name.

And its important to be fairly blunt because the internet can be a great tool for understanding. In addition to understanding how someone can fit it nine Disney trips in eighteen months (because they make a lot of money, live 45 minutes away, or put everything on a credit card), it also helps me understand other things about people.

This sort of place is nice because it brings together people I probably wouldn't meet in real life. I'm fairly fortunate in that there aren't a lot of class distinctions in my friends - I know someone who lives out of the back of a VW van, and I know someone who lives off a trust fund (several of each, actually). But my friends are a bunch of Midwestern liberals who tend not to bother with church - outside of here, I don't run into too many Southern conservatives for whom faith is important (I do at work, I work with a site in the South, but in the interest of working with them, don't dare bring up religion or politics.....) Before I came here, I completely pooh poohed the idea of tithing. I've gained respect for it.

My kids are fairly normal (they seem a little weird sometimes but I've been blessed with healthy kids). Threads over on the family board have reminded me how fortunate I am. That I shouldn't judge someone in the four minutes I watch their kid melt down in a line. That some really good parents have really challenging, exhausting situations with their kids.

And although I used to be pretty poor, its been a long time since we've really needed to worry about money and its easy to forget how wonderful the envelope system was when I had $10 a week that was discretionary. Someone posted last year that they've been getting by on $12k a year with their family for over a year. That sort of can be sad, but this one was really heartening and I think of it often. It was a "this isn't the end of the world, you can do this - we are" post - and although I wasn't the one it was directed at, it gave me a lot of hope. Colleen27 is another poster who does a lot on a little - and I've learned a whole lot from her posts.

 

[Swan4Me]

My 28 year old cousin just got engaged to his 24 year old girlfriend. He's more like a nephew to me, and we've always been close...and we love the girl he's marrying. We're thrilled for the two of them as they start their married life together .



We'll give them $1,000 cash for their gift because this is family...but I'd never in a million years suggest how they should spend that money. You can't attach rules or strings to gifts.

You do realize that gift is WAY over what most people give as a wedding gift -right?

So you also realize its a brag-right?


(and I have already read this on another thread-really redundant)

 

[crisi]

You do realize that gift is WAY over what most people give as a wedding gift -right?

So you also realize its a brag-right?


(and I have already read this on another thread-really redundant)

Since other people are already beating her up over the perception of her bragging, your post is also redundant.

Also, I don't see why what "most people" do is at all relevant to what sort of gift anyone gives. The OP is about a call to Dave Ramsey where they wanted to give $1000 and a FP seminar.

 

[Nintfamily]

Interesting thread. I have given several copies of TMMO away. But, I always say 'this worked for us, give it a read and if you find anything helpful for you, then great, if not no big deal'. I have given one as a part of a wedding gift to my brother in law and his new bride. Along with a gift card to a restaurant. We put a note in the book stating the above. While the approach Dave uses, works for us, it certainly isn't for everyone.

I have had friends that we've given them too say things like 'so glad we read this, it is what we needed' to 'read it, picked a few bits out we liked and that's it', and 'didn't bother, we got rid of it'. None of those bother me.

But, I agree you shouldn't put strings on a gift. If when given the book and $1000, it was said, 'we like this, but won't be offended if you don't like it' that would have been a whole new ball of wax.

 

[Swan4Me]

Since other people are already beating her up over the perception of her bragging, your post is also redundant.

Also, I don't see why what "most people" do is at all relevant to what sort of gift anyone gives. The OP is about a call to Dave Ramsey where they wanted to give $1000 and a FP seminar.

Didnt read the whole thread-that looonnng thing about her nephew was on another thread i posted on & I couldnt believe she posted it again.

I think DVCGal constantly putting actual money figures is a type of bragging..............like the $250k story-she could have just said my BIL made a large settlement and we all took him to dinner-still not sure why the moneybags BIL didnt treat all the family, though?

 

[karice2]

You do realize that gift is WAY over what most people give as a wedding gift -right?

So you also realize its a brag-right?


(and I have already read this on another thread-really redundant)

Uh, it is for a sibling so it may be way over for the standard guest but for siblings not really.

Who is she going to brag to, her other family.

 

[dvcgirl]

You do realize that gift is WAY over what most people give as a wedding gift -right?

So you also realize its a brag-right?


(and I have already read this on another thread-really redundant)

I see that you're very new here....unless you're one of these posters with multiple identities. That's a distinct possibility.

Since you're new, I'd like to introduce you to the "block" feature on this board. It gives you the ability to block any poster's threads or posts.....if for whatever reason you don't want to read what they write. So, please use that feature for anything I may post here since my posts clearly not only annoy you, but are redundant to you.

Somehow though, I don't think you'll block me. Clearly you're following everything I write....as you keep responding with incredibly clever and snarky comebacks.

But I'll respond to your snarky remark . For my area of the country and in my income bracket (*gasp*...yes, I just said that).....$1,000 is not at all out of line for a very close family member for a wedding gift.

There have loads of threads on this very board about "what's an appropriate amount to give for a wedding gift?" Lots of times, those threads are started by someone who is going to a wedding in another part of the country....often the Northeast. People in the South very often have very different weddings than those thrown in the Northeast. And so, they're looking for advice.

And when posters give advice it is not uncommon for people to not only say what they give....($250 or so is usually the minimum around here)......but they'll even post their income. So, they'd say....DH and I earn 125K, and we never give less than $250....or something similar.

But if all of the sudden the income starts with a 2 or a 3....it's "bragging". I recently read an Op-Ed on the rise of class warfare in America. It was interesting.....and I think your post and a few others proves that Class Warfare is indeed on the rise in our nation.

Again, no need to respond.....simply block me.

 

[punkin]

You know, this is very funny. I plan to give my nephew at least $1K if/when he gets married. My sister died in a tragic accident and will not be able to give him anything. His father has always been a neer-do-well. I am very close to him and love him beyond measure. I will give him as much as I possibly can to get him well started. That's what Aunties do. I guess I'm bragging too.

 

[mjbaby]

You do realize that gift is WAY over what most people give as a wedding gift -right?

So you also realize its a brag-right?


(and I have already read this on another thread-really redundant)

Wedding gifts of $1,000 and up may well be "way over what most people give" but they're certainly not unheard of - particularly amongst close family or in certain circles. My husband and I received several $1,000 gifts when we married nearly 16 years ago. Just because something else happens more commonly, saying that these gifts *are* given/received is not bragging.

 

[Planogirl]

Are you guys throwing money amounts around again? What happened to Dave Ramsey?

Personally I think that talking about specific money amounts on a regular basis *can* be seen as bragging. It depends on context and whether it has any relevancy to the discussion.

 

[crisi]

Are you guys throwing money amounts around again? What happened to Dave Ramsey?

Personally I think that talking about specific money amounts on a regular basis *can* be seen as bragging. It depends on context and whether it has any relevancy to the discussion.

It does, however, have very specific relevancy here, and in that exact amount.

 

[ilovemk76]

Are you guys throwing money amounts around again? What happened to Dave Ramsey?

Personally I think that talking about specific money amounts on a regular basis *can* be seen as bragging. It depends on context and whether it has any relevancy to the discussion.

No it is not bragging you are just jealous. J/K

I agree with you.

I am not in the least bit surprised that others on here make more than we do or less than we do; that some give $1K wedding gifts; that others save more than we do or less than we do; that others will leave big inheritances and we are not planning on that. BUT why the need to say it over and over and over again on thread.


All you who are so savvy - Why did you not help the person with the 401K question or the one with the term life insurance question. Those are both financial questions but you did not reply. They were posted at the same times as the threads that you did post in. Why not post on them too?