I wasn't saying the poster did the wrong thing; I clearly included such a caveat in my post where I said the poster likely came out well ahead. Since someone else had raised a point about the time value of an AC membership fee, I was just adding a little more to that discussion, that's all. I too am a fan of just having things "done with" and not having to worry about recurring fees or future risk.

Plus, if your argument is that small financial decisions don't matter to rich people, that's a pretty silly argument. Rich people don't get rich by making one stupid financial decision at a time. Most of them get there little by little; the small things add up and become big things over many years. Look at the people with seemingly modest means who end up surprising their families with huge estates, versus celebrities and athletes who can make tens of millions evaporate into thin air in a matter of years.