[Dylan16807]

> you assume that everyone has a rational disciplined approach to their finances, and a reasonably stable income behind that.

I'm not assuming that. If you get a paycheck at all you can impulse buy a $65 thing.

> And for buying in bulk (which is basically what Costco offers) to work, you need a larger amount of available cash up front, and a home with sufficient safe space for storage.

The bag of rice is cheap and compact, along with many other options. Your upfront need can be covered by your normal spend.

Yes it does need a mild amount of safety.

> transport

For sure, but I was responding about the $65 issue.

[mft_]

> > you assume that everyone has a rational disciplined approach to their finances, and a reasonably stable income behind that.

> I'm not assuming that. If you get a paycheck at all you can impulse buy a $65 thing.

Not to buy the membership, but to gain meaningful benefit from it afterwards by buying in bulk in the long term, despite the greater upfront cost, motivation, planning, etc. that that requires.

[Dylan16807]

It doesn't require greater motivation or planning. You just say "oh yeah I have a membership I should go there".

If you want it, it's one choice to make. No extra discipline.