Any extended warranties are paid for with cash, when the appliance/etc. is bought. With our washer, in the last couple of years Sears spent a TON more on replacing parts and on labor than we could have earned in that time frame, even in a mutual fund. I think the last extended warranty we bought (before the 2 a couple of years ago) was back in 2008—before drinking the koolaid. Smile
Like your guys, my dh is pretty handy too and has saved us tens of thousands of dollars of the (almost) 34 years we’ve been married. He has saved us on repairs for vehicles, appliances, electronics, house repairs, etc. dh has also saved us a ton on things like adding electrical outlets around the house, toilet repairs, etc.