My wife thinks I am crazy for doing this lol — need advice

Dr.ObesityLA said:

Whatever the answer turns out to be, the method for getting there is the same: state the assumption, do the arithmetic in public, and invite the…

Adding the part of the answer the thread has not reached. Take it one variable at a time. Almost every unanswerable question in these threads is unanswerable because three things changed in the same fortnight, and no amount of subsequent argument can untangle them after the fact.

That is the short version; the long version is somebody else's post.

Adding the numbers, since they settle part of this. One practical note: write down what you did and when, before you need it. Reconstructing a timeline from memory three months later is how people end up unable to answer the one question that would have resolved it.

Moderator note: leaving this open. It is being argued well and the disagreement is the useful part. Thread quality here is what the rules are for. Keep it up.

raj_cambridge said:

One practical note: write down what you did and when, before you need it.

Filing a mild objection. Mild because I might be wrong; an objection because nobody has addressed the case that does not fit. Pushing back on the anecdote-stacking. Twenty people reporting the same thing is twenty samples from the same self-selected pool, not twenty independent confirmations.

raj_cambridge said:

One practical note: write down what you did and when, before you need it.

Correct, and worth adding that it is reversible. Nothing being described here is a one-way door, which changes how cautious it is reasonable to be.