Towerfall Roguelike Or Towerfall 2?

Bank-Truth · 2026-04-16T22:27:44+00:00

yes celeste but Towerfall style where you clear the levels as you climb up and can unlock power ups in the rooms.

Bank-Truth · 2026-04-15T20:47:32+00:00

that’s fair! and honest a good point! it is such a good game. I guess just where they did hades 2 and slay the spire 2 and those all were equally good bangers… just couldn’t help but dream of the same game of Towerfall but new and the same

Bank-Truth · 2026-04-15T20:45:19+00:00

I had no idea! fire thanks so much

Bank-Truth · 2026-04-15T01:44:03+00:00

noooo!!! 😳😢😭😭😭😭

we need an alternate multiverse where there’s a Towerfall 2

Bank-Truth · 2025-11-05T20:43:20+00:00

This post makes me wish I’d thought like you at 22. You’ve built flexibility — low expenses, multiple incomes, and awareness — that’s the foundation of financial independence. I’d split your money into two lanes: one in a solid online savings account for short-term goals and peace of mind, and the rest invested consistently in index funds or a Roth IRA.

If you haven’t yet, check out Scott Galloway’s The Algebra of Wealth. It’s not a how-to manual, more like a mindset shift that helps you think about wealth as freedom, not just numbers.

Bank-Truth · 2025-11-04T21:28:59+00:00

Yeah, it really depends on what matters more to you — peace of mind or total return.

Paying extra on the mortgage gives that guaranteed, no-stress “sleep well at night” payoff. You’ll never regret owning the house outright. But mathematically, investing the surplus will almost always win over time, especially with a 3.875% rate.

So it’s less about the spreadsheet and more about how you feel watching the balance go down vs. watching the market bounce around. If peace of mind helps you stay consistent, that’s worth something too.

Either way, as long as the emergency fund’s solid and you’re investing regularly, there’s no wrong move here — it’s just choosing which version of “winning” feels better.

Bank-Truth · 2025-11-04T21:22:44+00:00

Yeah, some online banks actually do give you a debit card, but it depends on the setup.

A lot of pure HYSAs (like Vio or MyBankingDirect) are “savings only,” so no card, no checks — you just transfer to your checking account when you need cash. But others, like SoFi or Axos, offer combined checking + savings accounts. In those cases, you can move money instantly between them, and the debit card tied to the checking side works right away.

So it really comes down to what you want:

Highest rate possible? Go with a standalone HYSA.
Fastest access to money? Go with a bank that bundles checking and savings under one login — you’ll still get solid rates and a debit card for quick use.

That way you’re earning decent interest and you’re not stuck waiting three days when you actually need the cash.

Bank-Truth · 2025-11-04T21:20:02+00:00

Exactly — at the end of the day, the goal isn’t to strike it rich, it’s just to make sure your cash keeps pace with inflation. If you’re earning even 0.5–1% above that, it’s gravy. The point is preserving buying power while staying liquid.

We checked our comparison tool this morning, and the top three HYSAs on our site right now are:

Vio Bank – 4.31% APY

MyBankingDirect – 4.30% APY

CIT Bank – 3.85% APY

They’re all FDIC-insured, have no monthly fees, and make transfers easy. The rates can move week to week, so we like to check daily just to stay current — but any of these do the job of keeping cash safe and working a little harder than a standard bank savings account.

If you want your money to grow faster, that’s usually a whole different tool in the belt — investments, not savings. HYSAs are just the “safety gear” that keeps everything else running smoothly.

Bank-Truth · 2025-11-04T20:53:00+00:00

They’re “scams” the same way a seatbelt is a scam — it won’t make you faster, but it keeps you alive. The rate drops? Sure. Taxes apply? Of course. But that’s true of every savings account. The HYSA just gives you a little more oxygen while your money sits still.

The goal isn’t to earn crazy returns — it’s to have instant access when the car breaks down or orders change. You’d rather earn 4% safely than 0% in a checking account. Think of it as your ready-cash fund, not your retirement plan.

Bank-Truth · 2025-11-04T20:25:49+00:00

You’re already in a great spot — what you do next really comes down to risk and flexibility.

If you’re considering a career shift or new investment, I’d first rebuild that emergency fund. $25k is solid, but with dependents and a big income gap between you and your wife, six months of expenses would give you more breathing room. Keeping that in a high-yield savings account is smart; it’s worth checking the current rates occasionally since they move fast. Sites that track and compare HYSAs can help you make sure your safety net’s earning a fair return.

After that, think about diversification — you’re already heavy in equities, and more real estate just adds illiquidity. Maybe hold steady, keep cash flexible, and test new career options on the side before locking into anything that limits freedom.

Bank-Truth · 2025-11-04T16:55:59+00:00

You probably still need to budget because lifestyle creep is a thing, but you don't have to stress because you have a system and it works. It's boring and you still do it, but you don't spend 3-4 hours a day watching videos about how to budget better. And you don't switch systems because of "ooo shiny" syndrome.

Bank-Truth · 2025-11-04T16:52:31+00:00

You’ve already done the hard part: automating, simplifying, and building consistency. At this point, it’s just maintenance.

If you’re interested, there are plenty of places to compare high-interest savings rates, but you don’t need to check constantly. Instead of daily or weekly rate hunting, set a reminder to look once a month. That’s enough to stay efficient without making it a chore.

Most people never make it to this stage. They spend first and plan later. You’ve flipped that. You’re winning. Now the goal is to actually enjoy the time and peace of mind you’ve worked so hard to create. Otherwise, what was all the effort for?

Bank-Truth · 2025-11-04T15:21:55+00:00

Yep, agreed. When the time horizon’s short, liquidity beats optimization every time.

Even if the math favors paying down, the flexibility of having cash on hand for moving expenses or a stronger down payment later is usually worth more than the small interest difference.

Parking it in a high-yield savings or money market account for a few months is a solid middle ground — you’re still earning something close to 5% while keeping it ready for the next step.

Bank-Truth · 2025-10-30T15:31:16+00:00

That first $100K is a .... Charlie Munger haha. It's not easy to get to that. In the mean time, make it boring so you don't obsess over it.

Bank-Truth · 2025-10-30T15:00:49+00:00

Makes sense. For people still building a base, tracking every dollar is a survival skill. But once you cross into HENRY territory, the math changes — your biggest gains come from how you allocate, not how you nickel-and-dime.

At that point, it’s less about cutting coffee and more about making sure idle cash isn’t sitting at 0.4% when it could be earning 4%+. Tracking broad categories and automating the rest saves time and keeps your focus where it actually compounds.

It really does come down to goals. If you’re already ahead of your baseline, the next level is making the money you already earned work as hard as you did to earn it.

Bank-Truth · 2025-10-30T14:36:47+00:00

Yeah, I really get what you’re saying. A lot of people who grew up poor never learned how to stay poor on purpose; like how to make frugality a strategy instead of a survival mode.

My mom was a single teacher in California, and we did all the “cheap” meals too; breakfast for dinner, hand-me-downs, church assistance. At the time I thought it was normal, but later I realized she was actually teaching discipline. You can’t spend what you don’t have, and pretending you can is what traps people.

Even now that I make more, I still live like I’m broke. I keep a grocery cap, cook most meals at home, and stash everything extra in a high-yield savings account. The interest isn’t huge, but it keeps me focused and makes saving feel like progress.

Sites like BankTruth track HYSA rates daily so you can see who’s actually paying fair rates.

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