No kidding....I honestly think they do it intentionally to deter people from saving their own $$$. As I said to the woman helping me, had I known how easy it was I would have done it far, far sooner. Kinda sucks to know how many thousands of dollars I've spent for no reason. Oh well, it's done now so still better off than I would be had I continued to push it off due to the "hassle and costs."
They still have me by the balls anyway for the next ~20 years, so they still win.
They still have me by the balls anyway for the next ~20 years, so they still win.