Your 401k,403b, Roth, and whatever is in their hands. Start transitioning it to being in your control. A bird in hand is worth 2 in the bush.
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I belong to Costco and Sams, but only had the Sam's because the CC gave me 40 bucks credit which covered the cost of 1 year. Sam's is too far to travel since I don't drive and they are not always the best quality.
CostCo has some great prices on SOME things... Meat isn't that cheap, but some seafood is ok in price.
At both, stay away from the junk food, while the price might be ok, the packages are big and you will end up eating more. Kek