The interesting (annoying) thing about newbies in any community. This happens in many communities. A newbie joins the community or chat group... And asks the same old questions which have been discussed for countless times each and every time a newbie joins. This happens in the financial planning community... When some newbie wants to do financial planning and asks... How much do you need to save ar? Or how to buy insurance ar? Or which insurance to buy? Or how much do you need to spend? etc etc... Now, asking questions is great, that's the way to learn stuff, but an open question like that is going to irritate a lot of people especially if it is in a group chat where 100s of people have to read the same question and discussion all over again. I think it's just polite to read up old threads or discussions or learn a little bit more about the topic before ......