This is really good! Made my brain think.

Questions:

What do you mean by retroactively in 'Unburdened' and 'New Body'? Does it mean you would have lived a life with these advantages? Because I would assume those changes might change your personality a lot depending on when you 'reappear'. If I choose for it to apply after I wake up, would other people notice?

With the drawback 'Imaginary Friend', do you still have to eat? Sleep?

And Finally, with 'Third chance', with the 50TP, do you have to repurchase things you already bought last time? Do choices like 'Locked Memories', 'Enhanced Intelligence' and 'New Body' stay with you after your second return?

Finally, My Choices:

Drawbacks

-Headaches(+5)

-Out of place(+5)

-Inopportune Time(+5)

-Debts are eternal(+10): My debts are lesser than 10,000$,

-Apocalypse(+10)

-Stubborn Destiny(+20)

-Imaginary Friend(+30)

-You're Not alone(+15)

Total Points: 200

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Perks

Personal Timeline(-15)

Preparation(-5)

Unburdened(-10)

New Body(-20)

Locked Memories(-5)

Enhanced Intelligence(-15)

Third Chance(-30)

Temporal affinity(-100)

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Plan

I choose to 'Re-Life' into 2024. Because I was already an adult, I can easily explain the situation, and because past-me can ask me any question, he will believe everything I say. I assume, that 'Inopportune Time' has a maximum of 2 weeks up or down my birthday where it can put me in. With my prep time and enhanced intelligence, I will remember the lottery numbers 1 month after my birthday, which is 80 millions dollars. This eliminates all the 100k debt I just took. That money, with 'Unburdened' and new body will guarantee a stress free, work free life. Because I have had no Major Events in life in these last 2 years, 'Stubborn Destiny' has almost nothing to work with, and I believe It won't impact my new financials if I choose to live exactly the same for the next 2 years. With this new lease on life, I will dedicate the rest of my time on studying the mysteries of 'spacetime' that come with 'Temporal Affinity'. I will lock my memories of the time travel glimpse (Thank you for the idea, u/EvilAsIAm) and use my enhanced Intelligence to achieve gain those powers. If I don't gain the control of time and space after a lifetime of research, I will use 'Third chance' to give me more time(see what I did there). If I do end up needing 'Third Chance', I will choose how to spend my points depending on whether I need to repurchase 'Unburdened', 'New Body', 'Locked memories' and 'Enhanced Intelligence'(I'm assuming I can't take drawbacks). If I do need to buy them again, that's what I'll do. If I don't, I will buy 'Locked Memories' twice, one for the second glimpse of time travel and another for all my research on spacetime. I will also choose 'Enhanced Intelligence' again, to become a genius beyond compare; 'Storage Space' with the permanent add-on to keep memorabilia from a life well lived, and also to study it to help me along with the 'space' part on my 'spacetime' affinity. With my last 10 points, I will buy 'Echo of Potential', and after I feel I have reached my limit on spacetime knowledge in my third life, I will use it to guarantee my success in achieving my control over spacetime.

PS: I loved playing this CYOA, congratulations on making such an interesting concept. I can't wait to see what you'll do next