> I peel the >2yr off and shred it

Oh how I wish I had the courage to shred paperwork older than 2 years. Here are a few true examples where I'm glad I didn't shred too early:

- lifetime warranty claim on an appliance required the original receipt from 12 years ago

- needed to verify details on a lawyer's bill that arrived 4 years after the service was done

- parents' tax return from 30(!) years ago that had critical info about a capital gains issue

And let's not forget that tax records might be needed up to 3 years after filing in case of an audit (and some sources say 7 years).