Full Show: Are Restaurants Cheaper Than Grocery Stores? and Best Place To Put Your Cash Right Now

[@pointreyes4272]

Clark, where I live, eating out at breakfast (coffee, 2 eggs and toast) is $12 plus tax and tip so $15 total. Eating out at lunch is about the same price (burger/fries or a burrito and Pepsi). Dinner is twice that much (chicken, beef, pasta, etc. with a glass of wine). Breakfast at home is less than a dollar. $3.00 for lunch. $6.00 for dinner. If you ate out all three meals it would be $60 or you could eat at home for $10.00. Eating food at home is incredibly cheap if you know how to shop.

[@autohelix]

Very true. I can get 5 pounds of fresh chicken breast ,for what a salad would cost at Panera bread.

[@happycook6737]

Eating at home can be much cheaper than you quoted, depending on recipes and how careful a shopper one can be.

[@pointreyes4272]

@@happycook6737 Geez, and here I thought one dollar for breakfast including coffee was pretty cheap. How much do you spend on breakfast?

[@Clark]

It's all relative to how you grocery shop, but it's good to see the dollar comparison 💚

[@happycook6737]

@@pointreyes4272 Here are some of my favorite breakfasts and prices. PS. I'm lazy. Instant oatmeal packet .23, 1 egg .33, 1 cut up potato for hash browns .25, 1 cup cereal with 1/2 cup milk .40, 2 slices cinnamon toast .30, cream of wheat (buy in bulk) with 1 banana .50, two no name pop tarts .40, etc. I didn't count the price of hot tea because it is so cheap. Coffee costs a bit more but we don't like it. Pancakes from scratch are super cheap if you top with homemade syrup or inexpensive fruit. I love Amy Daczyin's Tightwad muffin recipe because it is versatile and cheap. I can crank out a muffin for .20 cents. For main dishes at lunch etc. we love Mexican beans, rice, tortillas or Chinese egg vegetable fried rice or Chinese stir fried noodles, Japanese okonomiyaki which is a cabbage pancake, gnocch, chicken and homemade noodles (pasta is easy to make), Hoover stew, Hobo soup, Jeff Novick's bean burger recipe, baked potato topped with canned baked beans (Popular British dish), bubble & squeak (UK dish), homemade meat and potato pies (pasty- UK), Egyptian stew Koshari, homemade falafel without the tahini, Indian vegetarian curries over rice, etc. There are so many creative cooks on KZbin making family meals for $6! Happy eating to you

[@garyclark979]

The cost for weddings in the United States are now completely ridiculous. My clever daughter chose to have a destination wedding in a foreign country. The cost was 20% of inflated American prices. Her friends and our relatives loved it. I was amazed. Her unmarried friends are now thinking about destination weddings.

[@thebadgerette69]

Take the money you would spend and put it aside .....have a smaller reception etc.

[@kenyonbissett3512]

Your daughter is very savvy.

[@genxx2724]

Did the cost include her paying for all the guests’ travel expenses and time off work?

[@kenyonbissett3512]

When I got married, my soon to be SIL and her husband offered to let’s us have the wedding reception in her home/backyard. She lived in old town Alexandria in Virginia. She paid for the Circus sized tent, lol, the food and servers. I served biscuits from Popeyes, a large ham on the bone, trays of fresh veggies, fondue chocolate deserts buffet style and a wedding cake. We only had 75 guests. We supplied the flowers, cake, DJ, dress, church fees. This was Friday. They kindly dropped us off at the airport they next day and prepared for a party for her work on Saturday and his work on Sunday. They needed to return hospitality to climb the corporate ladder. All three events were a huge hit. The tent company set everything up and gave a huge discount because they paid for 5 days, considered long term instead of 2. The servers loved the 3 days of guaranteed money and knew many of the attendees from her work and his. I though the 3 parties was a brilliant idea, she was a very smart lady.

[@elainerobertson7329]

Youre 💯 % correct about eating out vs cooking at home. The tide has turned on it. I have started cooking and freezing. My food is better, cleaner& fresher.

[@KC-dr3cg]

As a single person eating at home has always been cheaper than eating out because I use a lot of clever recipes using beans and rice and just a little meat for flavoring and don't forget about ramen noodles and peanut butter as budget busters

[@thebadgerette69]

Crock pot, air fryer makes a few meals for me and saves dollars!

[@jensahawk233]

​@thebadgerette8843 air fryers are awesome!!!! Best invention ever haha

[@lskwong9113]

Before the pandemics, we loved to go out to eat at Chinese restaurant. Now I'm used to cooking at home and I also find eating out too costly and tend to be unhealthy. Chinese restaurant food has gone up at least 25% over the last 3 years.

[@5877user]

Plus they are adding MSG back into their dishes 😟😟

[@fredacuneo5180]

It's doubled for us. Crazy. Ridiculous. Not worth it anymore

[@lskwong9113]

@@justincasesomethinggoeswrong wow that's a lot. Hope the food quality and selection also went up.

[@brichard9485]

Craves Chinese food last month and went to Panda Express first time since the pandemic. It will be the last in this lifetime! Prices were insanely High, and seemed to me the meat portion of each meal what is equivalent to 2 chicken nuggets, the filler rice or noodles was similarly quite small. Horrid value in my opinion

[@KC-dr3cg]

@@justincasesomethinggoeswrong We do eat at the Chinese restaurant still because an inlaw owns the business .We have cut the number of visits to once a year instead if monthly.

[@autohelix]

Eating out is definitely more expensive. My wife and I recently took a weekend trip which is rare for us obviously we ate out. The casual non fast-food places are significantly more expensive than at home. What a simple lunch would cost for one person we could have three meals at home for both of us. We eat significantly healthier than the majority of americans. Honestly not a huge fan of eating out. It is expensive, and has a unnecessarily high-calorie content most of the time.

[@Clark]

Nothing like a vacation to help you realize how much is actually spent on dining out. 💚

[@Atochabsh]

A long time ago, I was already too poor to eat out all the time. So I had to teach myself how to cook. If there's a particular dish all you have to do is look it up for cooking instructions. So much easier for us, then it was for our parents (before internet). What I have seen happening is the price between "fast food" and regular sit down family restuarant has gotten much closer. You might as well eat at a regular restaurant rather then fast food. Case in Point: Panda Express......why do people go there? The price is just as high as a regular sit down Chinese restaurant. Might as well get a made to order meal then something from warming trays.

[@ephemerabluetit335]

I ate lunch at Red Robin. What previously had cost $9.99 now cost $26.00. The next week I ate lunch at Red Lobster which cost $23.00.

[@kenyonbissett3512]

A very popular independent restaurant near me does the order at the counter and then a runner brings you your food. People are so used to tipping that they still left money. So the restaurant picks a “local charity of the month.” All tips left on the table go to the charity. There is a 4”x8” printout telling the name and a background story as well as what they do specifically for our community.

[@Patrick-yh5yd]

Use newspaper coupons

[@davidleigh443]

@@Patrick-yh5yd What's a Newspaper?lol.

[@chuckinhouston9952]

Grocery prices continue to climb in my area, Clarker.

[@wadebarnett2542]

In 2020, frozen waffles at Aldi were 99 cents. Now, they're $2.19. Yikes!

[@LauraMacMillan-cp9yk]

Compared to the rate of rise in restaurant prices, though?

[@grayfox9911]

Thanks for all your advise! You've been very helpful to me for several years!

[@oldroscoe2590]

I had a couple pieces of toast and two eggs with a some butter and a dab of jelly for breakfast , cooked them all by myself... I'm thinking around 50 cents maybe 75? Eggs are cheap again.

[@djw8888]

Bought my current car at CarMax 5 years ago after trying to work with AutoNation. An officer at the credit union informed me that the Auto Nation car was a lower trim line than advertised. The car was priced at the higher trim line. AN wouldn't lower the price. Strangely, they changed the listing to reflect the correct trim but later changed it back again. No hassles at all at CarMax. They made me a lowball offer for my current car and then revised it upward after I said no. Sold it for double their higher offer to an independent auto dealership. I'm very happy with the car I bought at CarMax.

[@davisholman8149]

I bought a salvaged title hybrid for 25% of the brand new price. The frame was fine & all that caused the being totaled was replacement of two doors. I haven’t had any problems with my vehicle. 40mpg & love the luxury.🤑

[@hchayes9431]

If people went on a serious nutrition based diet plan they would save thousands a year in food costs. Restaurants and processed foods are expensive, add in the medical costs as well.

[@lovelife7343]

100% agree everyone justifies eating junk by saying it's cheaper than fresh produce. I remind them how cheap staples are rice, oatmeal, beans, potatoes, carrots , bananas, chicken it's all cheaper than processed garbage.

[@KC-dr3cg]

It is critical that adults teach the children about the amount of protein, fat and carbs needed daily from early childhood before bad habits are formed.

[@kwhopper1100]

Even if it’s more expensive it’s still cheaper than medical bills . Cook your own food and park the car and walk or ride your bike .

[@LauraMacMillan-cp9yk]

Grow a cherry tomato plant (just one) on your patio. Cost: one time expense: 5 gallon plant pot and tomato cage: +/-$20. Tomato plant from nursery: +/-$15. Yield per year per plant: +/- 80 pints.Cost of a pint of cherry tomatoes in the store? +/-$6. Do the math folks! Not to mention the incredible difference in taste - and no chemical additives (pesticides) either.

[@LauraMacMillan-cp9yk]

Second and subsequent years will be even cheaper because there’s only the cost of the tomato plant. You already have the pot & cage.

[@mehardin]

I'm glad to hear you say that interest rates are coming down. Two years ago I took out a HELOC at 3% to buy an investment property. Now I'm paying 8.325

[@joo3629]

Totally wrong that grocery prices have gone down at least not in my area

[@KC-dr3cg]

At the local grocery store 32 oz of minced garlic is $10.99 compared to Target a few miles away 32 oz minced garlic same name brand is $5.99 I don't believe the groceries are going down one bit in fact when Walmart left our area the next best grocery store raise their prices between 60 and 100%

[@christinewallace9251]

Eggs and butter are a lot cheaper where I live. So is chicken.

[@firstlast1732]

Hey clock my goldfish died 12 years ago will you please say some thing about my condolences

[@marietaylor5174]

Thank you Team Clark.

[@Rich22C]

I learned the hard way about getting a CD at Chase bank at 4%. It was only a 6 month CD and it's due next month. There are so many other great deals around today. I think their main business is selling annuities anyway.

[@marygarati720]

I consider Annuities a dirty word now! I was trapped into one by a Merrill Lynch/ Bank of America Financial advisor/salesman in disguise. He made a big commission. The Annuity had a 3% fee on the balance!!! So Beware.

[@korn111685]

What grocery categories went down? I ask because the common foods we buy (non junk food) seem to still be pricey.

[@lovelife7343]

Prices in my area have dropped substantially. 3 pound bag Mandarin oranges $2.89 blackberries $1.49, pineapples $1.29 potatoes 5 pounds $1.99 eggs $1.99 tortillas $ .99 this last month I've seen so many things drop in price.

[@christinewallace9251]

Yes, our area as well. I bought eggs today for $1.69 a dozen, boneless skinless chicken breast for 1.99/lb Butter was on sale for $2.49 a pound. Our 80% ground beef is $2.49 a lb. All these are a lot lower than a year ago.

[@BarnabyBarry]

In Thailand a single man can eat less at the thousands of restaurants they have-all kinds of cruisine-not just Thai food-Thai dishes are equivalent to $2-$3 dollars versus $12-$19 here

[@CopingwithGrattitude]

And tastes delicious

[@salyluz6535]

It still depends upon where you live, what you buy & how you shop. Do you always shop at Aldi or only shop the sales/digital coupon deals? Do you eat lots of fresh food, buy the fruit & veg that is on sale, buy whole, natural foods and cook from scratch, or do you buy lots of highly processed and convenience/snack foods? Do you shop at local farmers market? Often if you go during the last hour they are open, you can get some good discounts because they do not want to take the produce back home. If you eat out, you can still get deals for lunch specials or other deals on specific days of the week, and sometimes just eat half so it can become a second meal. I very often do that with Chinese lunches, or most any restaurant meal. I almost never purchase soda pop, lemonade or tea when I eat out- it’s a waste of money. There are always ways to stretch your dollars!

[@Clark]

💯 True!

[@darrelstewart3002]

Eating out has always been a social activity. Eating at home has always been cheaper for me.

[@genxx2724]

👍 I consider eating out entertainment, not food.

[@rockinrob2004]

My niece decided to do a "White Castle Valentine's day wedding"! Talk about affordable! ;p That was ALL on them, we chuckled yet it was surely different!

[@garyclark979]

My wife and I opted to be inoculated with the much safer Novovax vaccine, so we avoided going out during the pandemic until it became available. We were stunned by the increase in restaurant prices when we felt comfortable going out again. We now visit a restaurant only once a month like we did pre-pandemic. Nothing changed for us.

[@jayafow84]

Dont forget when you cook at home you also have leftovers which we do on purpose so no planning or cooking the next night

[@pwu8194]

People that find eating out cheaper than cooking at home most likely have expensive eating habits. When egg prices went up the roof, I just stopped buying them and ate something else instead. I buy what's on sale and eat what's on sale for that week. Even when grocery inflation went through the roof, I could still rely on rice and beans, and bunches of kale to keep my cost down.

[@aureliaglenn2220]

Many of the people who find eating out cheaper than eating at home don't know how to cook, and thus seem unaware that your groceries make multiple meals.

[@ronv6637]

Kale isn't eating it is a vegetarian horror posing as food

[@martyi398]

I noticed McDonalds is still running the double cheeseburger and small fries for $3.00, we're still spending a fortune in Groceries every week although my wife likes to keep the pantry full and we don't eat out that often anymore, a lot of the reason we don't dine out more often is due to the poor service and marginal food quality at a good majority of restaurant's!

[@KC-dr3cg]

You make a very good point about the inexpensive choices available at McDonald's and in the Minneapolis area I do not have to drive more than 2 miles to get to any one of three McDonald's locations

[@captainnitrousx1331]

Eating fast food daily probably puts you at risk for cancer!

[@tomgle]

We got stuck in a room that smelled like wet dog in an Embassy Suites. The manager said there was no way of requesting a pet free room. There were no other rooms available so we put up with living in this dog kennel at a relatively expensive hotel chain. Horrible.

[@ronv6637]

Just ate out last night at full service local restaurant that has 1/2 price burgers and a additional entree $5 togo. $12 for two full 3 course dinners plus tip for a local service is how we will survive.

[@granbox1560]

I definitely saved money eating out vs groceries. I am starting to see the shift however, if I order from the kids menu (if allowed) that is still cheaper than the grocery store.

[@Savannah-ed4rv]

Interesring. I think some restaurants would now allow adults to order children's meals; especially carryout. Worth a try!

[@granbox1560]

@@Savannah-ed4rv It's always carryout or curbside. The child's size meal is enough. The adult sizes end up being 2-3 meals!

[@jeffreylouism]

​@Lewis Kokx Yuup, depends on where you live and if you want to eat ham sandwiches and chicken fingers

[@Clark]

@@Savannah-ed4rv Carryout is usually easier because you could have a small child at home. Many restaurants won't let you if you're dining in.

[@Clark]

Good tip! 🙌

[@boulderman3938]

Probably should have mentioned that many of the higher rate CD's are callable. This means that your rate is not locked in for the life of the CD. If rates go down they will just refund your money and accrued interest. If you want to lock in your rate make sure it is non-callable.

[@marygarati720]

Doug Mccaan this is very important info about CD's

[@LauraMacMillan-cp9yk]

Warren Buffet eats breakfast *out* every morning for less than $3. It’s silly for *him* to cook because his time is worth incrementally more at the office than at home! But that’s just not true for most of us. I make a similar breakfast as his at home for about a dollar. And in less time than it would take to get it in a restaurant, too. And … and this is becoming more and more significant … no tipping. I’m not against tipping appropriately, and I do so on the rare occasions I eat out. Wait staff need, depend upon, and deserve appropriate compensation. But from a strictly financial perspective? It has to be factored in.

[@jimmycain8669]

Warren Buffett lives like a bum to massage his martyr complex. My dog gets more than a $3 breakfast.

[@steves3234]

Problem with eating out is how unhealthy it is.

[@TJ-sv3hw]

They have already hit resistance as most fast food chains that were packed previously have far less customers. Five guys around us used to be packed at lunch and dinnner. Now they are half empty......could it be that the cost is x2 what it was prior to the pandemic. I get inflation for beef (etc.) and for labor but they are chasing unit cost margin and not total margin. They will realize soon that with just below rip-off pricing they will drive more traffic and make more money. Or they will keep increasing pricing because their labor and fix costs are spread over a much smaller number of customers.....and shut down those location.

[@jeanenestuart8653]

As a single I find it less expensive to eat out because buying all the ingredients plus base items for one person is time consuming and expensive

[@Joce123]

As a single person with care attention to nutrition I eat at home fir a fraction if eating out..even at Wendy's $5 bag that gives nuggets, fries, burger and drink

[@daninraleigh]

No way! Show me the receipts!

[@katehenry2718]

Yes cooking takes time and care. If you can eat out all the time... or even twice a week, you have more money than most people.

[@genxx2724]

Learn to portion out perishables and freeze. And it’s normal to have basic pantry items. If you prep your vegetables, they’re ready when you cook and it’s faster.

[@threecats1605]

9.95 for soup and salad 2.00 tip. By the time I buy all the vegetables for soup lots more than 5.00. Lettuce 4.50…… No groceries gone down here!!!

[@5877user]

We’re doing more take-out at restaurants we used to dine in because me husband is reluctant to tip less than 20%

[@Savannah-ed4rv]

I still rip for carryiout because they take the order and package it up. They tend to be forgotten..however I tip about 10%; not the typical amount.

[@Savannah-ed4rv]

Sorry I can't edit my above typo.. that should say I " still tip " lol.

[@5877user]

Yes, my husband does the same. Think we’ll have to do more drive-throughs. Do people tip there, too?

[@markbajek2541]

The one advantage of eating out off a dollar menu type place (if you walked there) , would typically be less food waste, (we've all had stuff go bad in our fridges that we didn't consume in time before it went bad) . You also don't have to pay as much in utilities for running a fridge (if you didn't need a fridge for anything else) since there isn't one...or , the cooking appliances or the additional water/sewer usage for cleaning up of pots, pans, plates, cutlery etc. And since you wouldn't need to own a fridge or cooking appliances those capital costs involving their purchases wouldn't be part of the cost of living to a person who just walked down the street to a dollar value meal type place. They could still eat shelf stable type products without actually cooking or refrigeration .. Peanut butter and jelly , bread etc and some canned foods meant to be eaten uncooked like tuna etc.

[@Clark]

🤔 Food for thought!

[@fredacuneo5180]

My own bank, of which I have been a customer for more than 20 years, offers me 1% on a CD. Very disappointing. My money has to find it's best return.

[@Clark]

😩 Yes, find your money a better home.

[@kerrybaral9241]

Try capital one, Apple saving they are close to 5%

[@fredacuneo5180]

@@kerrybaral9241 👍

[@aureliaglenn2220]

M & T Bank currently offers a 15-month CD for 5.5%. Not sure how much longer it will offer it, though.

[@ESUSAMEX]

Money of a settlement can be deposited into an IRA or a Roth IRA? I thought that only monies from employment could be placed in such tax free accounts?

[@barrybeede1277]

You didn't mention 3,5, or 7-year fixed annuities. They generally yield more than long term cd's, provide tax-deferred interest that can compound, and can allow up to 10% annual penalty-free withdrawals?

[@pointreyes4272]

Please explain how we can get 10% on annuities. Fidelity pays 4.5% or so.

[@Clark]

Nope, we don't like dare-to-say annuities for most people. The commissions are way too high and eat up a lot of the yield. 💚

[@barrybeede1277]

@@pointreyes4272 My comment said 10% annual penalty-free withdrawals, not 10% interest. Highest interest rate I can find at this time is 6.25%.

[@barrybeede1277]

@@Clark I was thinking specifically about multi-year guaranteed annuities (MYGA's). My understanding is the commissions are low and the rate is guaranteed for a set period much like bank cd's. The difference is bank cd's are insured by the FDIC, while MYGA's are protected at the state level by state guaranty associations in the event of the inability of the insurer to fulfill the contract. Even then, usually a failing insurance company is taken over by another company before this would happen and everything plays out as planned.

[@charlesbrown9213]

@@Clark -- MYGA's (multi-year guaranteed annuities) are the insurance industry's version of CDs. The rates quoted are after any commission payments. Also, as regards CDs offered by discount brokers, yest the rates are higher. BUT almost all of them are NOT call-protected. So if prevailing interest rate levels fall over the next 5 years, you could find your high-rate CDs "yanked" from you... If you want to lock in 5 years, just buy a 5-year Treasury, at auction. -- Often this can be arranged at a discount broker too. Treasurys are not callable, and unlike CDs, the interest paid is free of state income tax. And if you need the money for an emergency, you can always sell the Treasury in the 2ndary market.

[@laurieputnam1117]

26 yrs agoI was an older Bride at the age of 37. The oldest of 4 girls i was the last to marry . I wore my mom's wedding dress and was married on my parents back porch. Our beautifull cake was a gift. The food was done with my moms culinay creativity , Gordon food service , and buffet style. It was delicious. We did not skimp on the phogapher / video . Which was 900.00 and 500.00. Our total cost was approximately 2500.00. I absolutely loved our day . My mom was so honored that i wore her dress, as was i . She passed a year and a half ago. I am making keepsake gifts for my sisters and nieces with the satin and lace from her dress.

[@5877user]

Increased food prices will make people shop more wisely, like many suggested here. Buy what’s on sale. Even canned corn has increased significantly. Packages of fresh salad mixes can be a good bargain because the market has to keep those moving. Got 2 salads pkgs for $6. Salads in restaurants are $12+. Dine out for lunch rather than dinner. We have a Chinese restaurant that has lunch special prices during the week days.

[@Clark]

Great tips! 🙌

[@KC-dr3cg]

Good point

[@NOPE91111]

Burger King kids meal cost me $15 yesterday in Michigan

[@5877user]

So if the person just brings you the food, do you still tip them?? Do you tip at drive-throughs??

[@Clark]

That's the golden question! There are many debates on tipping food runners vs tipping traditional servers. Many argue with the new restaurant structures, staff still lives on tips.

[@5877user]

@@Clark So businesses are guilting the public into paying higher tips?

[@Clark]

A Team Clark member went through a drive-thru today that had tip options on the card reader 🤷‍♂

[@Joce123]

Clark, WHAT GROCERY STORE DI YOU FIND CHEAPER GROCERIES? EVEN ALDI'S IS GOING UP, skimpy amounts in the packages, limited selection..

[@mrsmith1339]

Just because a whole life policy has a long term care provision does not lower the commissions. Everything is compromised except the commission. I don't believe for a minute that inflation or high interest rates will come down this year There was a good article on lab made diamonds Saturday, and a good article today on pre loved wedding dresses in the WSJ.

[@andreavandekleut6379]

would it be better to purchase ,1-ONE year cd, then next month another one , then a month later do it again, for the better rate and one mature 's every month ( after 1 year) and if rate's change you dont buy a new one that month , and let other mature and cash out ??

[@Daviddaze]

Fasting is all the rage now with health benefits. Reduce to one meal a day and liquids before bed. Eat whole and not processed foods

[@rcarter6885]

We eat almost all organic and it is still much cheaper than eating out at a decent restaurant. If you want to eat burgers or cheap Chinese maybe it might be close, but you will pay for it later in medical bills - if you live long enough!!🤣

[@cs1992]

Prices HAVE NOT gone down

[@marc639]

In Europe eating out is cheaper. No tax, no tips

[@Joce123]

I save a lot now because after Walmart closed near me I buy less. ..$100 a month less! @ $3.69 a gallon of gas I do not go to a different Walmart.

[@robertwalker5521]

Tires. ...no, no, no .. replace BOTH front tires or BOTH rear tires simultsneously !!! Plus, buy a wheel...and you will THEN have a spsre.

[@kerrybaral9241]

When did grocery prices have gone down? Is not grocery store have labor cost and increase in utilities

[@bootburner4544]

Two questions. 1. What corner of the planet is Clark Howard living in where grocery prices are down. They are up 20 - 70% in any part of the USA, Canada, UK, Europe etc. 2. Why is Clark imitating Peter Schiff?? 😁

[@roylappin4491]

Factor into eating out not having to wash dishes.

[@lawrence5039]

'Inverted rate curve' with CD's is due to uncertainty. That is the pattern to acknowledge.

[@paularies3282]

You need to shop around as always. It all depends on the grocery or the restaurant. Meat at wholesale clubs still beats grocery store prices.

[@jeffreylouism]

I locked into a savings account w/Discover @ 3.68% and a $ market account w/Pen-Fed , 12mos @ 4.26% Did I do okay?

[@egrnhl]

What are reasonable fees to pay for cds at a brokerage firm? Should I only use a broker for long term cds or 6 to 12 month cds?

[@philly9375]

Fidelity does not charge a trading fee for new issues of fixed income/bonds/CDs offerings. For issues sold on the secondary market, Fidelity charges $1 for a trade fee. That is it!

[@David-TX59]

If you are going to get takeout, most restaurants best deals are online only.

[@anniesshenanigans3815]

I cook at home. I used to be able to eat out cheaper, but as the prices in restaurants have multiplied PLUS they want big tips, PLUS they want to charge 'extra' to use a card, yes some even charge extra for debit cards..... I pass on them nowadays. A foot long sub used to be 5 dollars. And now they want at least 12. NOPE.

[@juliesnuffin9807]

Grocery orices have gone up in idaho. So has eating out.

[@swahilijs]

We usually try to stay in non pet hotels. On another note, in a year our Annuity will have doubled in our 10 years agreement. Next year I will activate one of them because of my RMD’s. I will renew my other one and am guaranteed 7% a year. This will probably be my long term care without it being whole life insurance. I know you hate the A word, but when you’re in your 70’s I need to protect my money. I still have a fidelity mutual fund account.

[@Clark]

We always say there's a very small group of people that the A word works for, and maybe you're one of them. Glad you see the benefits in yours! 💚

[@twilightshealy4152]

​@Clark 😏 that wasn't the 1st A-word I thought of...then I figured it out 💡😊

[@emcwealth]

Sofi savings 4.20% to heck with cds

[@53sheri]

I get better healthier food at home. Not mass produced food that is void of nutrition and bad ingredients. Fast food is awful Haven't ate at a fast food place in years. Once you quit eating at those places you can't go back. I used to go to Mom and Pop restaurants with the home cooking but they are harder to find. Most have went to warmed up prepared frozen food. I

[@Patrick-yh5yd]

Clark is better than the arrogent Dave Ramsey.

[@CopingwithGrattitude]

His attitude bothers me so much; and the Bible thumping.

[@timsteinkamp2245]

MOTEL 6 DOES NOT HAVE CARPET.

[@ephemerabluetit335]

Please say dine out.

[@firstlast1732]

Thank God we can fast forward all of Mark’s comments they just are pleasantries or useless information

[@38cal.36]

Grocery still going up here, bye

[@ardenmcclune7085]

I am disappointed that you recommend lying to a venue about the nature of your rental. That certainly does hold true to your claims of integrity. Shop around your community for a venue that falls in your budget and consider all the factors that make up the cost - number of guests, menu, alcohol, music etc. At the end of the day, the marriage is what’s important. Don’t start it off with a lie.

[@AnnnnnaQ]

Resturants are cheaper for people who can't cook..

[@magnoliap5824]

Eating out in general costs more and is unhealthy, which will cost more down the line in medical costs. PS some of us are allergic to animals. I’m one and will make sure to ask about pets being in a room.

[@weavery2k]

I'm first

[@anniealexander3402]

I'm second

[@jbeav3902]

Fast food is now more expensive than the grocery store. Teenager should not tell any women about his money.

[@Clark]

🤔🤔🤔

[@LauraMacMillan-cp9yk]

🤣 Teenager??? No disrespect to Clark but … 1) how old ARE you anyway? 2) See your optometrist!

[@firstlast1732]

Please get to the point you’re way too slow

[@FLOODOFSINS]

How much do you charge for the peanut gallery?