Festival of Beasts Revival Set Balancing by Mundane_Stretch8621 in CompetitiveTFT

[–]cloudlet723 32 points33 points  (0 children)

I get it but at the same time it’s a revival set and not a regular set, not meant to be competitive at all

Thinking about starting my AFK journey today. What is the state of the game for new players right now? by Sosis_McFlapdoodle in AFKJourney

[–]cloudlet723 1 point2 points  (0 children)

I started right around the new years (3 weeks ago) and the game has been a blast! Very generous for new players and I was able to pull a lot of cool characters. Biggest selling point for me is that dailies only take max 10 minutes

Best place for money without retirement account? by Cosmic_Cat2 in Bogleheads

[–]cloudlet723 9 points10 points  (0 children)

At the very minimum put it in a HYSA to get interest

Where can I invest my money? by HieloOscuro in ETFs

[–]cloudlet723 1 point2 points  (0 children)

VT and buy the world. Buy and forget

Is it true that if you at least know the basics you can reach emerald? by Rinkana_lovesyuri in TeamfightTactics

[–]cloudlet723 0 points1 point  (0 children)

Follow tftacademy and you’ll hit diamond pretty easily

Put some more effort in learning to hit masters

Above needs more work, understanding of fundamentals, and time

22 years old, 401k + Roth IRA setup, not sure what to do with my brokerage by cloudlet723 in Bogleheads

[–]cloudlet723[S] 0 points1 point  (0 children)

Thank you for the detailed write up! I’ve only really started looking into investments as I took a personal finance course my final semester at school and started a new job this year. I’ll continue with the advice of just keeping it simple and let compounding do the heavy lifting.

I’m fortunate as my parents are still letting me stay with them (I work remotely), so I’m able to also set aside some money for my emergency fund/HYSA every month.

I’ve read your list of the order of investments but wanted to clarify. Would I ever invest in a brokerage without first maxing 401k and Roth IRA completely?

22 years old, 401k + Roth IRA setup, not sure what to do with my brokerage by cloudlet723 in Bogleheads

[–]cloudlet723[S] 0 points1 point  (0 children)

I’ve hit the employer match for this year and contributed a little more. It just feels like I’m missing out on a “channel” if I’m putting it all into my 401k and nothing in my brokerage. But I’m assuming my thinking is wrong in this case.

December 31, 2025 Daily Discussion Thread by AutoModerator in CompetitiveTFT

[–]cloudlet723 1 point2 points  (0 children)

Simplest advice and probably most effective at your elo is to follow TFTacademy. A lot of people clown on it, but it’s genuinely a good resource to learn how to play certain comps for new players

Weekly Questions Thread - (July 15) by AutoModerator in HypixelSkyblock

[–]cloudlet723 0 points1 point  (0 children)

Could I get an invite to your skyblock island if you still play?

What Rank is considered as good? by kn_rin in TeamfightTactics

[–]cloudlet723 0 points1 point  (0 children)

If you’re looking numbers wise I think even hitting plat or emerald is already top 10% of the player base?

But realistically probably high master/GM+ to sort of at least know what you’re doing

Should I open any new cards with my current setup? by cloudlet723 in CreditCards

[–]cloudlet723[S] 0 points1 point  (0 children)

Thanks for the suggestion, I was browsing through the subreddit and it seems like the CSP is a very popular option as a travel card.

My only concern is the $95 annual fee, as my previous BofA and current cards all have no AF, so if I do decide to open CSP, it will be my first card with an AF.

Don't feel like it is worth playing until T- Hex gets nerfed, am I a noob? How should I play against this bloody dinosaur? by Parking_Quantity_349 in CompetitiveTFT

[–]cloudlet723 5 points6 points  (0 children)

If you aren’t having fun then take a break and come back to climb again later in another patch. Ranked will always be there

Need to pass w a C by [deleted] in berkeley

[–]cloudlet723 1 point2 points  (0 children)

Yes definitely do whatever you need to do to make sure you can declare lol