Meaning, you’d have to insulate your rafters (spray foam would be easiest).

I've used Roebic Foaming Root killer on a periodic basis to keep some of my pipes clear that had roots invade them.

I don't know the dollar amounts we're talking about here, but if you shave off 10 years, 1-2% points won't be very meaningful. 

And always cheap on the sealant and OF COURSE the spray foam (if they even reach for it).

One builder says spray foam between levels for sound barrier.

The amount you receive from ordinary income (401k distributions) is combined with your social security (after you start collecting) and due to its ordinary income status, can cause you to pay taxes on SSI....reducing your available income at the whim of the government....in retirement when you don’t have many options to generate income in a typical retirement situation.If you’re working a W2 for a while, and investing in your 401(k) at the same time-getting the match-you’ll be contributing to social security taxes today, and will be “entitled” (ie, forced to take) them later.Also, a lot of 401(k)s have 1.5%+ fees in the generic options...enriching Wall Street to almost as much as yourself with “free money”.I recommend you read “The Power of Zero” by David McKnight and “401(k)aos” by Andy Tanner.

And the lawyer(s) have an obligation to the bar to be above-board.

He's not naive to think there wasn't more wayyyyy more at play, but rather that this was a contributing factor that added fuel to the dumpster fire.The US Population growth % has been declining since the 1990s so it's not totally new, but we've been able to shave off less births with immigration.

I purchased the flooring I liked better aesthetically between the two I picked out and once I got home I noticed the planks do not have a foam padding on the bottoms like the other one did.

Gutted the inside, repaired the horrible framing and put it back together with new plumbing, wiring, hvac, spray foam insulation, etc.