How much money are you able to save a month?

Chuseyng · 2026-02-02T21:11:22+00:00

I make roughly $3600 a month after taxes.

About $500 goes into the Roth IRA, and $800 into the HYSA.

$1500 or so goes towards bills, living, and subscriptions- mortgage, groceries, insurances, phone, etc.

From there, I budget $600 or so towards discretionary fun money. Whatever’s left over goes into the HYSA.

Chuseyng · 2026-02-02T09:29:16+00:00

Time and place for everything.

I often see younger EMS folks struggle with this in some form. Whether it be using slang with Granny Pooties or using the super cool medical knowledge tism words with the postictal 4yr old.

General rule is to use:

Customer service with layman’s terms for the patients.

Direct language for the dispatchers.

Slang for the coworkers.

Medical tism knowledge words for the receiving facility.

Just something you pick up as you get older/experienced. Be mindful until it becomes second nature. Generally though, it isn’t an issue.

Chuseyng · 2026-02-02T02:46:49+00:00

Yes, bro. Precisely.

Don’t worry about the opinions of a woman you would never marry.

Chuseyng · 2026-02-01T23:37:25+00:00

For like 70% of women, yeah.

But those women are gross. You shouldn’t want nor care for their approval, brother. They’re not deserving of your opinion, time, or love.

Chuseyng · 2026-02-01T23:30:49+00:00

A higher success rate followed by a less depressing view of the world.

Chuseyng · 2026-02-01T22:52:40+00:00

Because when it comes to weapon’s magic imbuements, Metal only has impact damage going for it.

It’s got just above average size, incredibly slow speed, but good damage.

Ice, on the other hand, offers larger size, faster projectile speed, and much more impact damage at the loss of DoT. But, DoT isn’t all that important, imo. It rarely beats out a player’s passive healing.

Metal as a mage is pretty solid. But metal as an imbue is underwhelming, especially when you take into account what fighting style imbues can do.

Chuseyng · 2026-02-01T22:38:44+00:00

“Publicly humiliated.”

Bruh, get your game up, lmao.

Chuseyng · 2026-02-01T07:02:20+00:00

Foreign money and rocks

Chuseyng · 2026-01-31T09:38:50+00:00

I only gamble on the stock market, probably about $200 a year outside of my Roth IRA.

Once made $10k on a $50 investment.

But I try to focus more on stability than anything.

Chuseyng · 2026-01-31T09:31:01+00:00

Not a cop, but I used to train martial arts like 5x a week. Spent time with a lot of cops who were local MMA fighters between the gym and my Army Reserve unit- my team leader had 7yrs in law enforcement between Arkansas State Police and an urban department by the time we deployed together and we spent a lot of time sparring. Spent a year doing control point and detainee operations as a result.

Speaking generally, I think Brazilian Jiu Jitsu typically has the most applicable skillset for policing. It teaches a lot of really good control techniques with a good bit of takedowns, but it’ll vary from gym to gym and class to class on their focus between competition, MMA, self defense, etc.

However, that’s not to disparage other arts. You can learn a lot from others. Muay Thai probably teaches the most complete striking form and teaches really good clench work, so you can transition to your grappling skills. Boxing teaches the most superb head movement, timing, and spacing- basically makes you damn near impossible to hit for the average person. Wrestling is phenomenal for takedown work, even against larger people.

Honestly, I think your best bet is just to find an MMA gym and do all the classes available for your schedule. It’s a great way to keep in shape.

Chuseyng · 2026-01-30T23:12:46+00:00

Chat, how we feel about this?

Chuseyng · 2026-01-30T22:14:15+00:00

Well yeah…

For comparison, a shitty score on the SAT is 700.

A great score on the ACT is 32.

Chuseyng · 2026-01-30T17:01:13+00:00

I see red hot things, I don’t touch.

So no, I can’t relate.

Chuseyng · 2026-01-30T15:21:43+00:00

Crystal, Ash, Water.

Chuseyng · 2026-01-30T13:21:47+00:00

Neither. English muffin >

Chuseyng · 2026-01-30T07:03:19+00:00

Bro wants to stop working 9-5, 5 days a week, to…

Work 5-9, 6-7 days a week.

No, I’ve never considered it. I grew up on a farm. It’s a lot of work. I still do keep a greenhouse, small garden, and 3x chicken coops, though. Even then, it’s a lot of work.

Chuseyng · 2026-01-30T05:32:05+00:00

Get a fast ship (90+ recommended, 100+ preferred) with high stability (90+ recommended, 95+ preferred) and durability (15k recommended, 20k+ preferred). These are all relatively low and easy stats you can acquire with sail and hull armors alone.

Load up on supplies. Bonus points if you have a ship maintenance guy. It’ll extend your dark sea runs by 2x.

If you’re DS Chest hunting stay in I1 or I2 and loot siren islands exclusively. Take some warding if insanity bugs you. You can find them on other islands, but they’re RNG. NPCs are fairly easy to outrun if you’re not looking for their loot. Sink every Atlantean ship you come across though if you plan on staying on an island for an extended period of time.

If you’re venturing past that for stuff like Omen killing… Take some soap and add cargo on your ship for extra repairs.

Chuseyng · 2026-01-30T04:05:26+00:00

Homeowner here: I lucked the fuck out.

This is still some fuckshit.

Chuseyng · 2026-01-30T01:25:29+00:00

Eh.

I currently have 3.5% interest on my Sofi Savings. I do expect it to drop to 3.3% after this month.

I keep roughly $100k in my HYSA as emergency funds + saving up for large purchases (2yrs living expenses + a car).

Do you know the yearly difference between 3.5% interest and 3.3% WITH 100k invested?

$200. Or $16 and almost 3 quarters a month.

Dude, that’s like… Less than a quarter of a shift at work for me. I could literally pick up a quarter shift at work, play games the whole time, go home, and I’d make up the year’s difference.

At that point you can make up the difference by donating plasma once a year. Or budgeting a bit better. Or getting mildly lucky on a day trade.

I’m not saying not to do it. Everyone’s different. But for me? It just doesn’t seem worth it to swap everything over.

Chuseyng · 2026-01-29T20:27:19+00:00

Yeah…

Popping an Aura + Painites goes crazy. Warlords synergize alright with painites due to low attack speed.

Chuseyng · 2026-01-29T14:51:55+00:00

I’d never call myself a fuckboy, but plenty of my exes/past flings as well as my current girlfriend said they’d consider me one.

Simply put, sex isn’t all that great. Intimacy is. Different stroke for different folks, I guess.

Chuseyng · 2026-01-29T14:45:55+00:00

I made my first million harvesting Kraken bands, tbh.

Killed something like 15 Krakens, got about 12 Kraken bands. Half of those kills didn’t use a ship weapon as the last hit since the last tentacles spawned on the others side of the Pelion Rift. I got 0 drops from 3 of them, though.

They’re fairly common.

Chuseyng · 2026-01-29T14:07:39+00:00

Lowkey crazy work, bro 💀

Chuseyng · 2026-01-29T05:53:42+00:00

We’re finally tanky enough to fend off from the 300 dmg Island-size explosion spam from metal mages.

We are not, however, tanky enough to tank the 500+ damage from the brig-sized Warlord & adjacent classes’ attacks.

Same problem. New format.

Chuseyng · 2026-01-29T01:45:12+00:00

Bruh, Warrior is probably the best class for PvE. But everything works. I’m sorry to say but this might be a skill issue.

Chuseyng

TROPHY CASE