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I don’t wear kippot serugot, which are more expensive than suede or velvet kippot, so there’s a savings.
My tayna against small communities is that they lack the same standard of living I am used to in NYC. I like the ability to buy kosher food at Goldberg’s at 2 am, and the freedom to learn daf yomi and shiurim with any host of great gaonim, including Rabbi Belsky, Rabbi Ralbag, Rabbi Boruch Simon, etc. OOT life is better suited for others, but I am born and raised in NYC. People are even slower outside NYC.
I’m still figuring out how to make a cheaper Pesah. The cost of the seudot and everything else came to over $900 for a family of 3, with our hosting a hakham for the last days.