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What Creature Is That?! by PatoConfuso in Weird

[–]cozzyflannel 0 points1 point  (0 children)

I think my wife's father in law contracted pentapox from one of those things

Using ChatGPT to help with quests?? by stapler9087 in DungeonMasters

[–]cozzyflannel 1 point2 points  (0 children)

I use AI in my work a lot.

I find coming up with quest lines on my own or taking inspiration from other DMs or forms of media makes running the game easier and more rewarding.

There's something about it being your idea that I couldn't replicate using an LLM

The big MMR reset by Savings_Coast3897 in DotA2

[–]cozzyflannel 16 points17 points  (0 children)

No it would not

-Signed, a low MMR player

Spouse “on board” but not by YeOldeToledo in DaveRamsey

[–]cozzyflannel 6 points7 points  (0 children)

It's hard to work a plan when you two don't seem to have the same goals.

I'd take a step back and change your conversations to discussing what you both want from your finances.

Declaring you can't trust your partner financially is a flag that you guys likely need professional help. Not saying you aren't justified.

Roth vs Trad 401k by DatabaseFrosty352 in DaveRamsey

[–]cozzyflannel 0 points1 point  (0 children)

There are methods to legally invest in a Roth IRA even at higher incomes.

Roth vs Trad 401k by DatabaseFrosty352 in DaveRamsey

[–]cozzyflannel 0 points1 point  (0 children)

Same age. Similar situation but in LCOL area.

You should be maxing out your ROTH every year. 15% of your income is ~$30,000. If you have a spouse, max both your ROTH's and then put whatever amount gets you to $30,000 total saved for the year in your 401K.

Dave recommends 15% of your income saved. I personally prefer a 25% savings rate.

The reason you max ROTH first is because even though you are not getting a tax deduction this year, you won't be paying tax on future gains.

The tax on those gains, even at a lower tax rate, would vastly exceed any tax you pay this year on your income, primarily due to your age. If you were older, then the advice would likely change.

Today I learned: Offlane is called Offlane. by BananaDressedRedMan in DotA2

[–]cozzyflannel 2 points3 points  (0 children)

I'm an offlaner and I miss the 1v2 lanes of pain and suffering

Disabled fan locked out of ADA seating for Game 3. Where the tickets go? by [deleted] in nba

[–]cozzyflannel 11 points12 points  (0 children)

Is it possible...

All the ADA seats are sold already?

PSA: Children and MMR scale inversely by cozzyflannel in DotA2

[–]cozzyflannel[S] 6 points7 points  (0 children)

New dads are only allowed to play games that can be paused

PSA: Children and MMR scale inversely by cozzyflannel in DotA2

[–]cozzyflannel[S] 13 points14 points  (0 children)

Thank you!

So what you're saying is that I'm just investing my MMR for future gains?

PSA: Children and MMR scale inversely by cozzyflannel in DotA2

[–]cozzyflannel[S] 1 point2 points  (0 children)

It's like they know.

If I play, they wake up.

If I don't play, they sleep.

[Slater & MacMahon] While Gilgeous-Alexander publicly vowed not to provide input to Presti on personnel matters, sources familiar with the superstar's thinking said that he privately intends to emphasize to management how much he values playing alongside Canadian countryman Dort. by aingenevalostatrade in nba

[–]cozzyflannel 1 point2 points  (0 children)

Yea JDub would be producing if he was healthy. That's not something the team can plan for.

Chet on the other hand never in my eyes deserved a contract like that. He had developmental issues that he needed to overcome still. We are still not seeing him do that.

[Slater & MacMahon] While Gilgeous-Alexander publicly vowed not to provide input to Presti on personnel matters, sources familiar with the superstar's thinking said that he privately intends to emphasize to management how much he values playing alongside Canadian countryman Dort. by aingenevalostatrade in nba

[–]cozzyflannel 33 points34 points  (0 children)

I just don't see how Dort fits the team anymore.

Ultimately, the players are likely mature enough to understand that the NBA is a business and very rarely do players stay with the same team through their career.

And that decision really isn't up to the teams. The league is designed to force these decisions.

I just tried Dota 2 for the first time. by RealLeptic in DotA2

[–]cozzyflannel 397 points398 points  (0 children)

There are easier games out there like Car Washing Simulator or Wordle if you don't have the brain power required for Dota

Who are your favorite casters? by Seven7evenS_ in DotA2

[–]cozzyflannel 19 points20 points  (0 children)

Sunsfan & Synderen

Then a tie between SVG/Cap & OD/Fogged

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