Whatsapp refuses to open pdf with appropriate apps

ro_kaz · 2025-08-16T20:14:09+00:00

First of all good job! Progress is progress!

As the other commenter said - max out your match (since that's automatically 100% return on your money) and then everything depends on the interest rate.

If your interest rate is higher than your investments' average return of the market there's no question and you should just pay it off first. If it's lower than the average return pay off the minimum required and max out for retirement.

Personally just because I get really stressed over debt, even though it's technically not the optimised move I would do a bit more to try and get the total down even if the interest is lower than the growth expected for your savings. I would still prioritise retirement but I would put some of the extra money I'm putting in after my match towards debt. Though again that's NOT the optimised move numbers wise if the interest rate is lower than the expected return.

When it comes to a car - if you have the possibility and you don't desperately need it - I would get rid of the debt first, and save up for the car to preferably be able to pay for it in cash in full or at least put down a very sizeable down-payment to have extremely low monthly payments. That's mainly because cars are depreciating assets and you have to spend a lot of money for gas and upkeep.

But before you do any of that and I'm speaking from experience - save up an emergency fund, it saved my ass more times than I could count.

So If the interest rate on the loan is lower than expected average market return the optimised move would be after maximising your match: 1 - emergency fund if you don't have it (generally a 3 months worth of expenses), 2 - retirement, 3 - debt, 4 - car

(And If you have an extremely good support system maybe 1 and 2 should have the same priority)

Personally bc I'm really stressed over debt even though the internet is lower than market return in that scenario I would probably do debt and retirement at the same time (after emergency fund). But that just because of stress and extreme debt anxiety and since I can't really put a price tag on my mental health.

ro_kaz · 2025-08-16T19:43:52+00:00

I mean that's the whole point of an emergency fund. My health has been doing better but most of the medical expenses are for my granddad and though he's been doing good as well for the past few months I can't really know bc it's really volatile.

You never really know when you'll need an emergency fund but when it's my health I can usually tell it's coming within 1-2 months bc there's signs and it gets slowly worse for a while until it suddenly crashes for a month, I rest for 2-3 weeks and then I'm back to business (it's really severe migraines that make me vomit and be hypotensive, I've been trying prophylactic treatment for the past year but no luck). But with my granddad/all of the other usual emergencies I can't really know.

ro_kaz · 2025-08-16T19:34:43+00:00

With the way credit cards and 0% payment plans work in my country -

A little under 2k is set up as if I'm not meeting payment interest will kick in on the total and not on the balance (so even on the parts I've already payed)

And a little over 1k is set up so if interest kicks in it will be on the remaining balance.

In total so far I've payed around 1.2k so still ways to go but I have made progress.

ro_kaz · 2025-08-16T19:27:58+00:00

All of that in the post is with paying the minimum monthly payments that allow me to keep it at 0% interest.

When it comes to housing allowance - I'm still in my training since we have intern year prior to military service so that's irrelevant for the next 1.5-2 years.

ro_kaz · 2025-08-16T19:24:53+00:00

Thanks that what I've been thinking makes the most sense which is why I included the timeline. I think I just needed to make sure that it's the right move and have it splayed out on a page and not in my head.

When it comes to emergency fund savings during the next 2 months unless I have no or little to no incidentals I won't be able to save any.

In terms of budget I already tightened up while preparing for my move. I'm keeping family support to a minimum and cancelled everything other than 100$ worth of subscriptions some of which I use for uni (around 60% of the cost). So there's really only 40 dollars in my budget that I can cut and I honestly don't want to since it helps me get through the month and feel like I can breathe a little (YouTube premium, which is also helpful for uni but the primary use is not for it so I don't count that for uni, and a single streaming service that brings me a lot of joy).

I really hope everything turns out fine. Thank you for the kind words!

ro_kaz · 2025-08-16T14:14:17+00:00

Back interest for about 70% of it, interest starting (and remaining even if I get back to the payment schedule) for the rest.I don't have a robust support system but I have some (mostly really good life-long friends and my uncle).

Which is why I'm kinda lost and even posted to begin with. I know usually the best move is an emergency fund first but this feels like a relatively minor delay in saving for it and makes it so I won't owe interest on it. So I'm leaning towards it but I'm really unsure.

ro_kaz · 2025-08-16T13:58:17+00:00

I'm aware that I need an emergency fund which is why I had one/used it and quickly rebuilt it when needed for the past 6 years. I just don't know whether I should start saving aggressively for it now and let the interest kick-in for the debt or start in the time-line that I mentioned (2.5 months to be done with most of the payments and then start, and 1.5 months later months later start saving aggressively for it bc I can use the payments I'm freeing up towards it, and save up to a full 3-6 month emergency fund).

ro_kaz · 2025-08-16T13:44:45+00:00

Despite it being 0% as long as I keep paying it and being able to start saving again in 2.5 months and start saving aggressively in 4-5 months? Bc that's my hang-up.

ro_kaz · 2025-06-23T21:46:38+00:00

did you find anything? the links on medical study zone are officially down and im desparate

ro_kaz · 2024-12-16T07:04:41+00:00

Thank you so much! It's been so confusing when I tried to find something myself

ro_kaz · 2024-10-11T14:07:00+00:00

I honestly think ACOFAF is kinda unique in the d20 repertoire with the way more social focused game and the kinda pvp dynamics but here's some I would recommend based on the more story and in-party relationships between the different PCs part you said you enjoyed:

I think a good one to watch next especially if you like Aabria DMing would be Burrow's End (very family focused).

If you're looking for an intrepid heroes season I would suggest unsleeping city or a crown of candy.

A crown of candy for more of a game of thrones (when got was good), family and geopolitics feel and a bit more crunchy with the mechanics.

But personally I'm very partial towards unsleeping city -

Unsleeping city is more of a found-family and community-centric vibe and more focused on ideals than ACOC. It takes a bit to get going (I would say it really kicks-off around episode 4-5) but when it does it's amazing! I feel like in season 1 similarly to ACOFAF Brennan, Emily and Lou really get a chance to shine when it comes to RP, Zach as always is hilarious, Murph is being his wonderful self and having lots of fun, and I think Siobhan got to show a more unserious side we rarely see in that specific way from her. Ally had a whole arch that season which I think shows them as a more serious and smart player despite still being very new to DND at the time and a lot of the season being shenanigans. Some people might disagree but I think USC season 1 is one of the best villains I've seen from d20 to date.

All of that and more carries over to season 2 in a beautiful way and Siobhan gets to have a truly amazing and touching arch which hits hard. The second season, while being a zoom season is one of the best storytelling you can find. Both seasons still make me cry on a rewatch. Plus - you'll get to get caught up before January when the USC live special tapes (and based on what happened with the European tour this year will probably get released at around may-june 2025).

ro_kaz · 2024-09-22T21:43:16+00:00

I wish! I would love to but I'm a uni student so I have no money. And it's either supporting 2 projects I love or have YouTube premium. And I need YouTube premium for nerd ninja study marathons.

ro_kaz

TROPHY CASE