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I'm with you on a few of those. For insurance purposes you only need to worry about documenting items that are unusually valuable. School records (e.g. report cards, etc) I don't keep, and have never needed. A major home improvement expense I would probably keep, though capital gains on a primary home sale are generally exempt up to $250,000(?).

But I was really more thinking about everyday utility bills, other statements and invoices -- I just trash all that stuff as soon as it's paid. I have better things to do than organize papers that I will never look at again.

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