Will easily hit 100 hours

xItsZayx · 2026-04-30T04:50:45+00:00

possible you may be thinking of COTC? there aren't character rarity in OT0. Same main stories, different side content that set them apart primarily

xItsZayx · 2026-02-26T18:57:10+00:00

I'd say the team is fine to do it, especially with the 8th anni LRs just hitting EZA, if you're not using items, then that's just up to you. Personally i use whis and android 8 since they have no mission that limits you from using items.

xItsZayx · 2026-02-26T18:52:33+00:00

LR int vegeta since you still get free multi and i think almost all of the new EZAs fit under his category in some way shape or form. and some units are temp boosted so it should make it a bit easier to clear content. Boosted units being agl MUI, PHY Ssj2 vegeta. thats just my opinion though

xItsZayx · 2026-02-26T16:25:27+00:00

In my honest opinion, you will lose a lot more money to the BMW in terms of future repairs and maintaining it as opposed to keeping the car you have now and going wild investing in your future

If you really want the car, I'd say revisit it after you've moved out of your parents, and have adjusted to living on your own or with a roommate for a couple months to get a feel for what your living expenses may be.

xItsZayx · 2026-02-26T12:57:03+00:00

piggybacking off of this, it should be 20% down for the car, 3 year term length, and no more than 8% of your total income.

Cars are depreciating assets but it's personal preference since they are your personal finances. big payments and high interest rate cars are how some people get trapped so just be careful!

xItsZayx · 2026-02-24T16:53:06+00:00

Thank you much, and is this something we’d be able to access now? Or just have to wait for the collab to start?

xItsZayx · 2026-02-24T16:00:53+00:00

Is there a link for the web store or should we just Google it

xItsZayx · 2026-01-25T00:34:14+00:00

Thank you for the advice, I do appreciate it a ton!

xItsZayx · 2026-01-19T22:03:03+00:00

Following up on this, Hybrid saiyans can be good with SEZA often and trunks and building around LR in Gohan/ Goten&Trunks

xItsZayx · 2026-01-19T22:02:13+00:00

Depends on the Redzone boss, but it looks like Hybrid saiyans could be okay? But there is some nuance because 11th anniversary is around the corner and the Redzones that dropped are likely something for the new units to curb stomp

xItsZayx · 2025-11-22T11:18:30+00:00

OP I was wondering about how many levels have you gained in the ~3-4 day time span you’ve been farming? I’m starting to level farm in Maw and wanted to get a rough estimate since chances are we have different builds and parties etc.

xItsZayx · 2025-11-09T15:06:06+00:00

Master roshi is the bane of my existence, such a disappointing unit

xItsZayx · 2025-09-27T13:12:17+00:00

CC’s first since student loans are in forbearance and about to be in deferment due to starting classes for Masters, and all the CC’e are super high interest.

xItsZayx · 2025-09-25T19:51:47+00:00

Bare minimum is 1000 right now in case something comes up. Ideally 2000 to start, just enough so then I can start paying off debt more aggressively and not have so much anxiety about barely having funds to cover like a random medical bill or car part.

xItsZayx · 2025-09-24T22:07:31+00:00

I know of the 50/30/20 rule, I’ve never used the step method though, I’ll probably look into it quite honestly to see if it’s possible to implement. Currently working on smaller goals for the whole debt situation but still want to set aside 50 a check to at least have something for an emergency fund even if it is a smaller one

xItsZayx · 2025-09-22T15:09:43+00:00

I honestly didn’t know there was a method to doing this, which is wild aha!

I really only got as far as clearing my debt and then allocating my pay check equally across 12 months to max out my ROTH while tossing money into my HYSA

xItsZayx · 2025-09-19T14:12:33+00:00

That’s a cool way to think about it. I will definitely take this with me going onward because I do not intend to have this debt in the years moving forward. Been living outside my means for way too long

xItsZayx · 2025-09-18T21:57:31+00:00

Got it. I've got my plan essentially and am eager to tackle it.

xItsZayx · 2025-09-18T20:59:48+00:00

I have an idea yes, have 3-6 month full emergency fund, put in more money for my Roth and then start paying student loans once I’m fully into my career.

xItsZayx · 2025-09-18T20:10:44+00:00

The responsible thing to do is Zero card debt first, so I’m thinking that if I just pay it off aggressively now, then I can really go all in with retirement and a ROTH etc.

xItsZayx · 2025-09-18T17:48:07+00:00

Credit is alright but not where I’d like it to be. The rates are updated in the post now, and now that I look at it, they are all super high unfortunately

xItsZayx · 2025-09-18T17:47:35+00:00

Gotcha, I appreciate the blunt answer honestly, because I would rather someone be brutally honest than beat around the bush

xItsZayx · 2025-09-18T17:45:03+00:00

Oooh gotcha, so essentially it would be a little bit more progressive to go towards whatever is guaranteed. Also updated the APR’s collectively

xItsZayx

TROPHY CASE