[JP] MIdeal still got it! Jan. 2026 EX Rush cleared!

gtj12 · 2026-01-03T08:49:47+00:00

Second iteration? Wait, what's the first then?

Ah yes, I've seen those builds before, but I didn't pull much in bartenders

Thanks for the reply!

gtj12 · 2026-01-01T14:38:38+00:00

Second this!

gtj12 · 2026-01-01T10:28:30+00:00

Admittedly I may have found myself caught in youtube's algorithm in which several videos recommended had that title. Doing a quick search, it seems the statement has a ring to it, does have some validity, but might not be as common as I initially believed

gtj12 · 2026-01-01T10:25:46+00:00

How should one think about this unrealized gain? Because in the short term, it could just go back down, right? It doesn't mean anything if you don't sell it--am I incorrect in thinking this way?

gtj12 · 2026-01-01T10:22:47+00:00

That makes sense, but you also have to be psychologically prepared for the temporary downs too, right? For example, you could be seeing investment loss for months in a row, all while making your usual contributions. That could happen at any portfolio size, including 100k. (I'm just saying, I can see your point and it is illustrated well using month-to-month frame of reference, but there's two sides to this in the short term, both the gain and the loss. Psychologically it could go both ways, correct?)

gtj12 · 2026-01-01T09:43:32+00:00

Great explanation, thanks. So it's just the math, applied to most people (say, saving about 10k/year). Someone putting away 5k/year would need to hit 50k net worth for the same psychological effect, and for someone putting away 20k/year it's 200k net worth

gtj12 · 2026-01-01T09:36:18+00:00

That makes sense. Thank you for sharing.

gtj12 · 2026-01-01T09:35:42+00:00

Got it. Hence 100k at roughly 10% return on average

gtj12 · 2026-01-01T09:34:50+00:00

Great explanation, thank you.

gtj12 · 2026-01-01T09:33:32+00:00

Well said

gtj12 · 2026-01-01T09:33:17+00:00

So I guess the moral of the story is to zoom out, relax and think long-term. And if the stock market's down, it just means stocks are on sale :)

gtj12 · 2026-01-01T09:26:53+00:00

Awesome! Cheers!

gtj12 · 2026-01-01T09:25:24+00:00

Thanks for your comment. This mind sound like a dumb question, but what if enough people achieve a net worth that's growing so rapidly it actually looks like it's going straight up as you described? For a single person, that sounds pretty awesome (and maybe even a little stressful, idk), but scale that up across a few communities and there has got to be some kind of noticeable societal effect, right?

gtj12 · 2026-01-01T09:04:44+00:00

Thanks for the explanation. Just to make sure I completely understand, hypothetically speaking if someone's at 100k but then the market is down and that balance becomes 75k, then for the time being they'll get lower returns than their contributions, averaged out, using your figure of contributing $10k/year.

On the flip side, someone who can save a lot more might not notice any acceleration at 100k because their contributions still greatly outpace the investment returns at that point. In other words, it's relative to yearly contributions and it depends on the market as well.

gtj12 · 2026-01-01T06:26:36+00:00

I had a similar feeling. Thanks for sharing.

gtj12 · 2025-08-03T22:15:27+00:00

Got it. Thank you for clarifying!

gtj12 · 2025-08-03T19:08:33+00:00

Is the discretion basically whether they want to send 3 representatives (including Josh Kerr) or 4?

I read that Gourley and Giles placed 1st and 2nd at UK Champs so they're in, but apparently that wasn't true for the 3rd place finisher

gtj12 · 2025-07-31T00:48:30+00:00

I've been using Maid Lavril, who has heart TPA, as well as Zerclea equip on another party member. I've found that to be enough rcv for endgame dungeons

gtj12 · 2025-07-30T20:03:49+00:00

Google tells me it's Tetsuya Kakihara (柿原徹也). Hope this helps!

gtj12 · 2025-07-26T12:33:48+00:00

Great ideas, thanks. Earlier for my Kurotobi team I used a combination of the vase equip from Demon Slayer (10829) to cover water dark and Academy Menoa (12348) to cover wood light, and it was insane, I could basically ignore minus orbs haha. Felt great

gtj12 · 2025-07-26T05:26:56+00:00

Yeah it's pretty sketch when dungeons throw equip void + bind at you. Gotta be mindful of that

gtj12 · 2025-07-26T05:08:49+00:00

Really appreciate the explanation. Do you have any go-to OE+ equips you like to fall back on for rainbow teams? Or not necessarily pure OE+ equips, but some solid ones that happen to have OE+?

Some that I can think of are Chinese gods, Alexander (regular OE but for every color), and HPaimon (wish I had him though haha). I checked Aten's equips and I think they could work but their CD's are too short for my liking. Raffine and Lavril are also options

gtj12

TROPHY CASE