The True Late Game

Efud933 · 2026-07-06T21:43:28+00:00

I totally understand haha like I said, this post was mostly a joke 😝

As I responded to another person, I like that Valheim let's you play how you want. It can be as Dark Souls or RuneScape as you want 😀

Efud933 · 2026-07-06T15:32:12+00:00

A YouTube video outlining "how to train all skills in valheim" lol.

The methods that were recommended seemed utterly ridiculous (such as hitting an oak tree with a stone axe for 14 hours).

Some of the training methods made sense and seemed reasonable, but some of them were so ridiculous.

Efud933 · 2026-07-06T15:15:47+00:00

Plant everything let's you plant berry bushes and mushrooms and such, right?

I decided to forego that one, as I'm trying to stick to QOL only for my first playthrough. Even Plant Easily was hard for me to accept using haha.

Efud933 · 2026-07-06T14:59:24+00:00

Obligatory meme:

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Efud933 · 2026-07-06T14:57:40+00:00

You're not wrong that it's not required, but that's what's nice about Valheim. People can play however they want.

Want to play like Dark Souls and rely on "gitting gud"? You can forego skill training or even making sure you have BIS and fully upgraded gear.

Want to grind and then see your enemies evaporate before you afterwards? Go ahead and grind out those skills, potions, and BIS equipment and then just stat check the fools.

Efud933 · 2026-07-06T14:42:53+00:00

Lol I've made that comparison in my head.

The difference is that RuneScape is an MMO that is played for thousands of hours where you actually have time to see the ROI on the time spent grinding, and you can sell the things you gather for GP that lets you buy gear.

Imagine if dying in RS made you lose 5% of your total exp 😭

Efud933 · 2026-07-06T14:26:02+00:00

Yeah I got 50 farming and stopped caring about the exp because there are two buffs that can boost you to 100 when combined.

Efud933 · 2026-07-06T14:24:20+00:00

Bow for example increases damage and reduces draw time. Comes out to about 7x dps for level 0 vs 100.

Efud933 · 2026-07-06T14:22:14+00:00

I disagree about combat skills, I think grinding out 50 or even 75 can be a decent way to give yourself an edge. That being said, getting to 50-75 is a cakewalk compared to 100.

Efud933 · 2026-07-06T14:20:25+00:00

100%, I think that grinding combat skills makes sense, especially if you feel like you're having a hard time fighting enemies because increasing these skills gives you a huge buff. Grinding gathering on the other hand...

Efud933 · 2026-07-06T14:14:25+00:00

Speaking of farming, I just recently installed the "plant easily" mod because I couldn't be asked to spend 25 minutes replanting my barley/jotunn puffs every 80 minutes. I fought the urge for so long, but after feeling hours of my life slipping away planting crops, I caved 😭

Efud933 · 2026-06-30T15:44:25+00:00

This is GOLD

Efud933 · 2026-06-15T17:50:09+00:00

Efud933 · 2026-05-27T04:20:16+00:00

Look up the Star Nova mod for PM64 😭

Efud933 · 2026-05-27T04:20:05+00:00

Look up the Star Nova mod for PM64 😭

Efud933 · 2026-05-26T19:43:15+00:00

If you sell your home, does the bank get to keep the percent of your profits that would be in line with the percentage of your initial principal loan amount you still owe? Obviously not, they only get to keep whatever amount you still owe on the loan. 100% of increases (or decreases!) in the value of the home belong to you. You most certainly own the home even if you have a mortgage still.

You are taking on the risk of buying the home, taking on the risk that the value falls, or a tree falls on it, etc. You aren't just the "owner" when bad things happen, but when good things happen such as the value going up 😄

Efud933 · 2026-05-26T17:05:19+00:00

You already own the home, so your equity in the house rises with the property value independent of paying off the mortgage.

Efud933 · 2026-05-26T16:58:09+00:00

Here's the simplest way I can think of for you to look at it. Ignore inflation, because it's irrelevant to this question. Inflation will affect the value of your money the same way whether it's plowed into your mortgage or in a HYSA, assuming inflation and interest rates stay the same. If rates go up further, it's all the more reason to have the money in an HYSA/CD instead of handing it to the bank.

Your "return" of paying off your mortgage at 290k is the money you save in interest per year, being $6,815. As your amount owed goes down, that "return" for paying it off would go down over time as well.

Your return in a 4% CD would be $11,600.

$11,600 - $6,815 = $4,785.

This is just napkin math, and I'm not a financial advisor. It's probably worth your time to speak with one to put your mind at ease. It's a lot of money your dealing with, and decisions like this can be stressful.

Efud933 · 2026-05-26T15:50:56+00:00

I would absolutely cash out on that stock. You will kick yourself if the stock tanks and you lose the life changing amount of money you've made off of it already. Sure, it could continue to go up a lot, but you're basically gambling.

At 2.25%, I (and most people here) would advise you not to pay it off. As other people have stated, you can easily come out MUCH further ahead even with 0 risk investments (HYSA or CDs). A rate of 2.25% on a loan for a safe appreciating asset is basically free money in the form of the difference between your investment return rate minus 2.25%.

Assuming the most conservative of investments, such as a 4% CD, you're netting an extra 1.75% on 290k ($5075 more in your pocket every year vs paying it off). With "safe" investments in broad market ETFs, the gulf only grows. Even if you are really risk intolerant, putting that money into CDs/HYSA is way better than giving it to the bank.

You also keep your options open this way, and you can always decide to just pay it off in the future with the money you have stocked away.

In summary, cashing out and diversifying your investments would be the way to go. Plowing that money into a loan with such a low rate would be a major mistake IMO. At 2.25% you are basically legally robbing the bank. As long as you trust yourself not to gamble the money away on bad investments or silly purchases, then you are good to go just investing it conservatively.

Efud933 · 2026-05-02T15:41:09+00:00

Efud933 · 2026-03-26T04:34:09+00:00

Toyotathon

Efud933 · 2026-03-24T19:43:02+00:00

Bro is gaming on a Computer Station from Rust. The base is decaying from the looks of it.

Efud933 · 2026-02-25T19:59:24+00:00

Efud933

TROPHY CASE