Sounds about right, my point was not to be anti-environmental it’s that people should know what they’re spending their money on. The savings from that much insulation don’t actually pay for themselves if you were able to put the equivalent money into a high yield mutual fund or slightly lower yielding retirement funds. judging by the age of that couple they’re probably 30 years from retirement. Some people would prioritize lower emissions but they’re already getting that in part by having solar panels.