Ahh, you missed my use of the word “effectively” when I posed the question. Sorry, but I laid the trap intentionally…

I hear what you’re saying about not being able to save money otherwise, but I worked the math on your example (including tax considerations using a 28% marginal tax rate) and you made a whopping 55 dollars and 91 cents.

Might I suggest you join Vons Club or something similar instead as a better way to save/earn money.

Clearly, you’re admitting that it might not have worked out as you as hoped, so I give you full credit for the courage to do so.