I'm tempted to just insulate half the wall and leave the bottom half exposed (ground temp should be 50F even during the coldest time of year). I'm really poor right now (!) so the cheaper the option, the better at this point. I also don't want to create a mold factory (i would imagine leaving the bottom half exposed would allow moisture to move through the concrete without get trapped).
Not sure if I will finish the basement, so using something like polyiso might make sense for now.
Lot of basement insulation horror stories, don't want to create another one.
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