#like I just want to be an irresponsible adult??

[onetimetwotimesthreetimess]

me: celebrating and getting into dumb shit to celebrate my new found financial stability (i literally have no idea why this place is giving me this much money for this job I literally have no idea what I’m supposed to do lol). Creating Pinterest board to decorate my new place and buying cute office wear (last all jobs were work from home—I’ve never been to an actual office y’all), creating designs for my next 12 tattooes (watch me spend every last penny on tattooes and books)

also me: immediately enrols myself into a stupid financial literally course cause I might know a lot of angst for fictional characters but idk shit about taxes and mutuals funds and what not?? And as I woman, I think we should know about all this stuff to protect myself in the future (protecc from idk what but still)

everyone I know to me: you are literally the most chaotic person who keeps getting into dumb shit all the time and yet are the most sensible person at the same time ever like how is this even possible??

[auncyen]

Bonnie looping au where the first loop has them freaking out about Frin having died in front of them and they have no idea what happened/how to explain it so the adults are kind of like. They really try to understand. Time Craft is impossible. The best understanding they have is "we've been horrible terrible irresponsible adults and Bonnie is traumatized?? Possibly afraid Siffrin's going to be hurt again?" so they have. A talk. And Bonnie wakes up to a clocktower empty save for a villager who tries to explain to them that everyone wanted them to rest so they'd feel better, maybe Odile wrote out an explanation behind the decision (and Isabeau and Mirabelle might've added apologies) but Bonnie's not reading any of that they run out of the clocktower through Dormont north all the way to the House yelling but it's already too late.

Bonnie freezes outside the House crying.

Bonnie spending the next loop angry and upset at everyone but still trying to figure out how to keep Frin from dying so they just. bluntly tell everyone at dinner that Frin shouldn't be trap finder. They have to think there's a way past the trap but Frin didn't find it so they've been trying to reason why Frin didn't find it and...oh. His eye. That's why. They feel sick with guilt, but it just makes them more sure they have to say something that the others will believe. And it's easy to point out that Frin is half-blind now, even if it feels awful.

Siffrin probably tries to reassure Bonnie that no, it's fine, really, he's got it covered! which just gets Bonnie more worked up and making angrier comments and people are trying to calm Bonnie down, but, it gets too heated. Or maybe someone else makes a comment that Bonnie might have a point. And Siffrin gets upset and walks out.

Where Siffrin's going: to look at the stars and empty their mind for a bit, breathe in, breathe out, and then go back and try to pretend everything's fine because like, what else are they going to do? Their friends need their help saving Vaugarde tomorrow.

Where Bonnie thinks Frin's going: away forever, they finally made him hate them, now everyone else is going to hate them too because even if Frin doesn't find traps as well now they were still helping fight and now what are they going to do, everything's going to freeze again Nille will never move again and--

They loop back to the start of the conversation. Belle tilts her head curiously, asks them what they were going to say and they just. cry for a bit and then insist "nothing" when everyone prods with concern. The adults are very worried about this but still take Bonnie to the House with them in the morning, probably doublechecking with them first if they still want to come with, no one will be upset if they don't, etc. and Bonnie is like "NO I'M COMING WITH" and then quiet all the way to the House, thinking about the Death Corridor.

When they get to the corridor, the second Odile's attention is off Bonnie, they dart ahead of Siffrin to search the next set of pillars. Because if it was because of Frin's eye, they should be able to see it, right? And as long as they stay next to the pillars they don't think they'll get squashed by the big rock but they're shaking so badly because they really could get squashed by the big rock and everyone's yelling and chasing them because Bonnie??? and in the brief moment before someone catches Bonnie and pulls them back to the side, the Corridor's trap doesn't trigger because every single person in there is terrified, and Bonnie finds something on the pillar they were frantically patting down. They ignore everyone else being upset and keep shouting at Frin where the switch is until they find it as well, gesture for everyone to stand back, and hit it.

After the boulder falls, the room is silent. for maybe two seconds.

And then Bonnie gets the lecture of a lifetime with four people being like "Bonnie you scared the daylights out of us what were you thinking". They probably tell about Frin dying to the boulder again because they don't know what else to say, and they're afraid the others won't believe them again but like the big rock is right there, and everyone's just. Kind of. ...Time Craft is still impossible but also Bonnie has usually been about as composed in dangerous situations as you can expect a preteen to be, and also, even if this is some kind of emotional outburst that's been building up because they were horrible terrible irresponsible adults and allowed the preteen in their care to be traumatized, well, they are already in the Sadness-filled House so there is now no place safe to leave Bonnie. Everyone knows that, so it doesn't even come up.

That loop probably continues until it ends, not with Bonnie pushing Frin into a Tear, but 'Za trying to be a goof and "oh no I'm not looking where I'm going" straight into one.

...Bonnie getting into a pattern, at least at first, about keeping quiet about the time loop until they get to the Death Corridor and then being like "Frin, the switch is on that second pillar on the right. When you hit it a big rock will fall in this spot, so everyone else needs to stay here" and everyone being like "..........well okay Siffrin you heard the kid, check out that pillar" and then after the rock falls "Bonnie how did you know that" and THEN they talk about the time loop.

But. maybe they don't talk about how they're feeling for a while, even with the adults realizing "a time loop that keeps ending badly cannot be good for Bonnie" and trying to encourage them to talk. Because that first loop still hurts.

[dat-lil-shark]

Just to inform you, guys. I’m intending that, for the majority of our Sparkling AU, it’s an AU, so it’s not about the characters when they are actually babies anymore. It’s basically about the whole entire TFP story except it’s set in a universe where there are no actual wars. The whole ‘war’ thing is just some sparklings going into groups and play-fighting with their imaginations. Every character that ‘died’ in this universe are just either moving to another school (ex: Cliffjumper & Elita One) or got tired of the game and didn’t wanna play anymore (Ex: Skyquake, Dreadwing, and Breakdown). And all the human characters are all little ragdolls that are brought to life by the sparkling’s imaginations.

cause the actual show crippled me and this is my denial mechanism.

(read the tags)

[vvitchy]

why are so many young people online obsessed with calling lgbt people fruits it’s one of my biggest pet peeves

[hopkei]

........but what if tho...?

level of insanity increasing.......

but wHAT IF tho?????

[glitterdustcyclops]

just spent $84 on a nail polish collection because it comes in a pretty shiny box

i regret nothing

[novethegreat]

Almost 1 am on a school night.......time to write fanfiction

[coockie8]

So have y'all also heard about the 13-year-old TikToker who had an 18-year-old fan travel all the way to Florida from Maryland with a gun to, I assume, kidnap her, after which her parents just continued to let her post publicly available videos of herself online for literally anyone to find?

I'm sorry, I'm just losing my mind a little bit over this. Like apparently they even had to pull her out of school at some point due to a second stalker, and at no point do these parents stop to think "Maybe we should stop letting our barely pubescent daughter post videos of herself online for every single creep in the world to fawn over" like seriously!?!?!?

I get wanting to give your child freedom, but at what point do you draw the line here? After she gets kidnapped and further traumatized for life, 'cause you know her dad having to literally kill a guy who showed up at her house with a gun is having some kind of impact here.

[giantkillerjack]

"Oh, Jack. You silly boi. You know that help at the top of the stairs is no help at all."

---

Art piece i may delete later about my parents offering money to me and my sisters to pay for either grad school (a thing I don't want and can't do with my disability) or my wedding (also a thing I don't need/want), but not for anything that would actually help me escape poverty and find stable housing and income.

Like, I recognize the privilege of being able to complain that my parents have offered me a bunch of money but in the wrong way.

But also if that money is on top of a flight of stairs that I can't climb (but my sisters can), then I haven't really been offered money, so much as I have watched money I need be placed somewhere I can't reach it. Which tbh feels worse than if it was never mentioned to me in the first place.

I was gonna send this art to them and i wrote this big long message to go with it, but then I decided to wait until my therapy session on Tuesday to talk it thru with her first, since I've literally never regretted doing that.

Besides, both of my parents are lawyers and right now they're providing me and my friends with a lot of free legal advice about this property we're trying to buy together, so I don't want to rock the boat currently.

I just wish I knew if I had access to that money as a poor person in need of stable housing and quality disability care, and I wish my parents weren't world-class hLepers who have a long and triggering history of engaging me in rigorous debate about the kind of help I should be allowed to receive from them as a disabled person.

Nothing like having to provide an argument that would hold up in court every time I'm sick and need help! Love that! Love that I can't even talk about money with them now without having invasive thoughts about it for days to come due to past incidences in which this repeated behavior of theirs literally endangered my life!!

Not like I need that mental capacity for working on the largest and most exciting opportunity of my life that also happens to line up with my hopes and dreams for the future!! It's fine!! What do I even need mental capacity for anyway?????

This wouldn't even be the first time this little Distrust Fund has caused problems for my relationship with my parents. They are very opposed to that money being used to help my disability and it has caused PROBLEMS for us that we have never quite recovered from.

It's just difficult to be reminded that although our relationship has gotten better (mostly thanks to me setting boundaries), that doesn't mean they now actually believe what I need for my disability when I tell them.

They really do love me, and they have only ever acted with the best of intentions . But good intentions cease to matter when the impact is harmful and repeated. And they have proven to be repeatedly incapable of providing non-ableist support for me again and again and again. They've even genuinely tried to learn; and sometimes it really seems like my mom has made progress with her therapist (who is disabled), but who knows when I can so jarringly be reminded of how quickly that toxic ableist thinking can show its ugly face.

It's so clear to me and they don't even know it's there.

It feels like I'm in a horror movie when I try to get them to understand their own ableism, and that is a good good sign that I may want to consider an approach that minimizes my mental damage instead. Even if it means I don't get their stupid, deeply-conditional-and-yet-the-conditions-are-SO-vague-and-they-won't-admit-it money.

[alixismix]

surgical transition, or sterilization, or whatever... is exactly the same.>

ah see, I don't agree only because that means suicide is a right and, ig depending on the context sure. But this one, where it can be helped, it can be negated with maturity and time; no. I don't agree.

Surgery regret is a thing and happens a lot more than people think. And if you give them the right to do that, to self harm and mutilate, you're giving them the right to ruin and end their lives.

psst. hey

people who are legal adults who want their tubes tied or top surgery etc etc should be able to do so full stop.

"oh but what if they regret it for the rest of their lives"

okay. so what.

Adults make decisions about our lives, that's what being an adult is. We may decide to get a face tattoo, or quit a promising job, or join the army, or move to another country.

That's practically all we do as adults. We make decisions that effect the rest of our life, and then we live, or sometimes die, accordingly. Maybe i'll spend the rest of my life regretting telling my influential boss he doesn't know his ass from a hole in the ground, but, as an adult, that's the kind of life decision i am allowed to make for myself. And after all, it might be the best thing i ever did. It's my life, and i get to do all the fucking around and all the finding out i want to.

surgical transition, or sterilization, or whatever... is exactly the same. If you aren't going to let a legally adult person decide for themself about that stuff, then you can't let them get a tattoo or move to Florida either

[mariska]

me at 1 am when i have to wake up at like 7:30-8 AM at the latest and partake in an autism assessment appointment when my brain almost never naturally wakes up before like 9:30-10 am and i have medical trauma and prior misdiagnosis triggers acting up in my head and i just got my period and i have endometriosis so im in agony and i start to feel a full blown depressive panic attack coming on even though i've already taken my anti panic medication and also i have adhd and cant get myself to turn on fortnite and play for like an hour to try and de-stress because of all of the above plus executive dysfunction

[starbuckaroo]

I think some of it is likely racism, which adds layers I don’t think I currently possess the nuance to speak on with clarity or precision, but bc of the way I view Eddie’s character, the big reason that sticks out for me is that he’s a single parent. And because he’s a single parent who is the main/only caregiver, I think he’s ending up getting a lot of backlash or unrealistic expectations that often get placed on single mothers.

The idea that he has to have his shit figured out, he’s not allowed to experiment, or express his sexuality, or make mistakes, it kind of reeks of won’t somebody think of the children-type pearl-clutching. And you add in the fact that he was raised religious but is ambivalent about or rejects some/all of it as an adult? How very dare he! Family values etc etc

Buck gets grace with all of this 1) bc he’s white 2) his parents are WASPy and he’s estranged-ish from them for obvious neglect/abuse reasons and 3) bc he’s the new man swooping in to help with the overwhelming childcare duties, but it’s not his kid so he doesn’t have any inherent responsibility, he could leave at any time, so he can mess up however he needs to. (Think of Eddie’s grocery store rant at him through the lens of a separated couple, right, like Eddie was Going Through It too but bc he had to look after Chris, he didn’t get to just fuck off and file a lawsuit etc. Then again kudos to the writers for letting him fuck off and join a fight club truly s3 was such a juicy time for buck and eddie’s plotlines) I digress

But Eddie does have the hefty societal expectations on him to have upstanding morals and be a provider and a caring parent and a proficient homemaker etc so he can’t possibly be given room to fuck up! And he knows much more intimately than he ought to what the consequences of not meeting these expectations are! His own parents tried to take Chris from him!!! How the fuck would that not give him a complex?? Makes me mad that fandom would double down on that instead of giving him room to be a whole person. Anyways.

I've been trying to figure out what exactly it is that bothers me about how people talk about an Eddie sexuality arc in comparison to how the bi Buck one is being discussed and I think a lot of it is the tone. Why is it that Buck 'deserves to have a soft, fun time discovering himself' but Eddie 'needs to figure his shit out'? Why does Buck need to have a separate arc* but Eddie's needs to be connected to Buck? There is a very weird undertone in how a lot of people talk about it that is almost malicious, like Eddie should be "punished" for not figuring it out sooner? Eddie is somehow singlehandedly holding his life back and needs to get over himself while Buck needs someone to help him through all his problems (and they are always problems, not issues).

* The funny thing about this is that Buck's sexuality HASN'T been separate from Eddie, like at all.

[wonderjanga]

I’m the Parent and the Child

Billy has a kid form as Marvel and chooses to go into it quite often. He normally leaves his adult form for Champion of Magic duties. As a result, you’ll mostly see three little kids running around as opposed to two little kids and an adult. This is a little concerning for some people and absolutely outrageous for others.

Mary, Junior, and (Kid Form)Marvel: *all just finished jumping Adam and are now sipping juice boxes while sitting on the curb*

Supes: *flies down and lands near them* “Hey, kiddos. Is your father nearby?”

Junior: “Huh…?” *confused, cause he checked his father was dead*

Mary: *immediately clocks that he’s talking about adult Marvel* “No, why?”

Supes: “I wanted to talk about something with him. Have you heard of the Justice League?”

Marvel: “No?”

Supes: “Well, we’re a team of heroes and we want your father to join.”

Mary: “Oh, cool!”

Supes: “Yes, it is cool. So is he nearby?”

Junior: *now picked up on the fact he’s talking about adult Marvel* “No, he’s off somewhere… doing something.”

Supes: “Oh? And he just left you guys to watch over the city alone?”

Junior: “Uh… Yes?”

Supes: “That’s… Extremely irresponsible of him.”

Marvel: *still confused* “Mister, what are you talking about? Our Dads are de-”

Mary: *steps on his foot harshly* “Mister, you don’t have to worry about it. He’ll be back soon.”

Supes: “But I should worry. He’s letting three children wander around fighting crime with no supervision and nothing to protect you besides your powers.”

Junior: *shrugs* “That’s never stopped us.”

Supes: “Look, just-” *sighs* “when your dad comes back, give him this.” *hands Mary a JL comm because she seems the most responsible*

Mary: *takes it* “Okay!”

Later…

Supes: “I just can’t believe it! He seems like a good hero, but guess what?” *pacing around*

Batman: *reading a newspaper or something* What?

Supes: “He just let his kids go around fighting crime on their own!”

Batman: “And?”

Supes: “And they’re kids! Little kids! All around Robin’s age!”

Batman: *puts his newspaper down* “Oh? I assumed they were older.”

Supes: “Yeah, no. They’re all prepubescent!”

Batman: “Oh…”

Supes: “Yeah, oh. Are we gonna have to talk to him about this?”

Batman: “It seems so. If he accepts the membership offer, that is.”

Supes: “But what if he doesn’t? Are we just going to have to stand to the side and just watch this happen?”

Batman: “No. If he doesn’t accept, I’m sure there are other things we can do. After all, just because he doesn’t want to join the League, doesn’t mean he won’t prevent his kids from joining a team of their own like the Titans.”

The Captain does join the JL, and much to their delight, Junior and Mary join the Titans. Though the other little boy was nowhere to be found. He could still be seen patrolling Fawcett though so maybe he didn’t want to join while the other two did?

Anyways, that was the concern, here’s the outrage:

Black Adam: “Wha- Champion why in the Gods’ names do you look like that?”

Marvel: “What do you mean?”

Black Adam: “I mean, you look like a child.”

Marvel: “So?”

Black Adam: “So change back into your normal form.”

Marvel: “You mean my adult form?”

Black Adam: “Yes.” *rolls eyes*

Marvel: “Oh uh… no.”

Black Adam: “What do you mean no? I shouldn’t have to lower myself to fight a child.”

Marvel: “I…” *wants so badly to tell Adam that he already was a child before, but he can’t because, you know, secret identity* “Sure, man.”

He still ended up fighting Kid Marvel. Billy also won so that was a slight blow to Adam’s ego.

[ms-demeanor]

On insurance: I still live with my parents and don't know a lot yet about the sorts of things adults usually have to spend money on. I've always been skeptical of things like insurance and credit cards because it seems to me they wouldn't be selling that if they didn't expect to make money from it. I talked to my cousin a while ago about credit cards and basically came to the conclusion that they do that because they're betting on the customer getting sloppy and letting their debts stack up, and the way you beat that and get money from credit card companies is just by being careful.

I'm a little more confused about insurance though because it seems much more straightforwardly like a gamble they will simply not take if it won't pay off for them. Like, you don't go to a casino because every game they play at a casino is one they've done the math on and have determined that statistically most people will lose money on most of the time. Is insurance not kinda the same? Where they estimate the risk and then charge you an amount calculated to make sure it probably won't be worth it for you?

I know if you have a car you legally need car insurance so everyone knows you can pay for another car if you crash into someone, and I gather that here in the US at least health insurance companies have some kinda deal with hospitals so that the prices go down or something, and there's a reason I don't fully understand why not having health insurance is Really Bad. But we get to pet insurance, or like when I buy a concert ticket and it offers ticket insurance in case I can't make it to the show, and surely if they thought they were gonna lose money on that they just wouldn't sell it, right? Or they'd raise the price of it until it became worth the risk that something bad actually will happen? Wouldn't it only be worth it to buy insurance if you know something the insurance company doesn't?

So the deal is that most people don't use their insurance much, and often insurance companies will incentivize doing things that will make you use your insurance less.

So, for example, you can get a discount on car insurance if you have multiple cars because people who insure multiple cars are more likely to be responsible drivers (the ability to pay for multiple cars stands in as a representation of responsibility here). The longer you go without an accident, the lower your premiums get because that means that you are not costing your insurance company anything but you are paying into the system. The car insurance company's goal is to have the most responsible, safest drivers who never get into car accidents because they can predict (roughly) how much they're going to have to pay out to their customers and they want the number they pay out to be lower than what's paid in. So they try to discourage irresponsible drivers by raising their rates and encourage responsible drivers by giving them discounts.

Health insurance companies often do the same thing: I recently got a gift card from my health insurance company because I had a visit from a nurse who interviewed me about my overall health and made sure I had stable blood pressure and access to medications. It is literally cheaper for my insurance company to give me a $100 giftcard and hire a nurse to visit me than it is for me to go to my doctor's office a couple of times, so they try to make sure that their customers are getting preventative care and are seeing inexpensive medical professionals regularly so that they don't have to suddenly see very expensive professionals after a long time without care.

Insurance in the US has many, many, many problems and should be replaced with socialized healthcare for a huge number of reasons but right now, because it is an insurance-based system, you need to have insurance.

We're going to use Large Bastard as an example.

Large Bastard had insurance when he had his heart attack and when he needed multiple organs transplanted. He didn't *want* to be paying for insurance, because he thought he was healthy enough to get by, but I insisted. His premium is four hundred dollars a month, and his out of pocket maximum is eight thousand dollars a year. That means that every year, he pays about $5000 whether he uses his insurance or not, and if he DOES need to use the insurance, he pays the first $8k worth of care, so every year his insurance has the possibility of costing him thirteen thousand dollars.

The bill for his bypass surgery was a quarter million dollars.

The bill for his transplant was over one and a half million dollars.

His medication each month is around six hundred dollars. He needs to have multiple biopsies - which are surgeries - each year, and each one costs about twenty thousand dollars.

Without health insurance, he would very likely be dead, or we would be *even more* incapable of paying for his healthcare than we are right now. He almost ditched his insurance because he was a healthy-seeming 40-year-old and he didn't think he'd get sick. And then he proceeded to be the sickest human being I've ever known personally who did not actually die.

Health insurance costs a lot of money. It costs less money for people who are young and who are expected to be healthy. But the thing is, everybody pays into health insurance, and very, very few people end up using as much money for their medical expenses as Large Bastard did. There are a few thousand transplants in the US ever year, but there are hundreds of millions of people paying for insurance.

This ends up balancing out (sort of) so that people who pay for insurance get a much lower cost on care if they need it, hospitals get paid for the care they provide, and the insurance company makes enough money to continue to exist. Part of the reason that people don't like this scheme is because "insurance company" could feasibly be replaced by "government" and it would cost less and provide a better standard of care, but again, with things as they are now, you need to have insurance. Insurance companies are large entities that are able to negotiate down costs with the providers they work with, you are not. If you get hit by a car you may be able to get your medical bills significantly reduced through a number of means, but you're very unlikely to get your bills lower than the cost of insurance and a copay.

Because of the Affordable Care Act, which is flawed but which did a LOT of good, medical insurance companies cannot refuse to treat you because of preexisting conditions and also cannot jack up your premiums to intolerable rates - since Large Bastard got sick, he has had the standard price increases you'd expect from aging, but nothing like the gouging you might expect from an insurance company deciding you're not worth it.

Pet insurance works on the same model. Millions of people pay for the insurance, thousands of people end up needing it, a few hundred end up needing a LOT of it, and the insurance companies are able to make more money than they hand out, so they continue to exist. This is part of why it's less expensive to get pet insurance for younger animals - people who sign up puppies and kittens are likely to be paying for a very long time and are likely to provide a lot of preventative care for their animals, so they're a good bet for the insurer. Animals signed up when they are older are more likely to have health problems (and pet insurance CAN turn animals away for preexisting conditions) and are going to cost the insurance companies more, so they cost more to enroll (and animals over a certain age or with certain conditions may be denied entirely).

This weighing risk/reward is called actuarial science, and the insurance industry is built on it.

But yeah it's kind of betting. The insurance company says "I'll insure ten thousand dogs and I'm going to bet that only a hundred of them will need surgery at some point in the next year" and if they're correct, they make money and the dogs who need surgery get their surgery paid for out of the premiums from the nine thousand nine hundred dogs who didn't need surgery.

Your assessment of credit is correct: credit card companies expect that you will end up carrying a balance, and that balance will accrue interest, and the interest is how they make the money.

And it is EASY to fuck up financially as an adult. REALLY EASY. But you are still likely to need a good credit score so you will need a credit history. That means that the correct way to use a credit card is to have a card, but not carry a balance.

To do this, never buy anything on the card that you can't afford. In order to avoid needing the card for emergencies, start an emergency fund that is at least 3 months of your total pay *before* you get a credit card. That seems like a *lot* of savings to have, but from the perspective of someone who has had plenty of mess-ups, it's a lot easier to build up a $10k emergency fund than it is to pay off a $10k credit card debt.

If you don't understand how interest works on credit cards, or why a 10k savings is different than a 10k debt, here are some examples working with $10k of debt, 23% interest (an average-ish rate for people with average credit), and various payments.

With that debt and that interest, here's how much it costs and how long it would take to pay off with $200 as the monthly payment:

Fourteen years, and it would cost you about twenty four thousand dollars in interest, for a total amount paid of about thirty four thousand dollars.

To save $10k at $200 a month would take four years and two months.

Here's the same debt at $300 a month:

4.5 Years and it costs about six grand (again, just in interest - sixteen thousand dollars total). Saving ten thousand dollars at three hundred dollars a month would take just under three years.

Here's the same debt at $400 a month:

3 years, about $4000 dollars (fourteen thousand dollars total). Saving ten thousand dollars at $400 a month takes just over two years.

The thing is, with all of these models you're going to end up paying one way or another. Insurance vs out of pocket is you weighing the risk of losing a fair amount of money by signing up but not using the system, or potentially losing a catastrophic amount of money by not signing up.

For credit cards they really only work if you know you're never going to need them for an emergency, because an emergency is what you're not going to be able to pay off right away. I didn't have an emergency fund when Large Bastard had his heart attack and needed surgery, or when we moved between states suddenly, or when we moved between states suddenly AGAIN and needed to pay storage costs, or when Large Bastard needed a transplant, or when Tiny Bastard got in a fight with my MiL's dog, and the fact that I didn't have an emergency fund is still costing me a lot of money.

So, young folks out there: what's the takeaway?

Get insurance. Get the best deal possible, which usually ends up being the one you sign up for early. You may think you can let it ride without insurance, but man in the six months between when I graduate college (and lost my school insurance) and when care kicked in after 90 days at my job I got electrocuted and needed to go to the ER. If that hadn't been a worker's comp payout I would have had thousands of dollars in bills. Something could happen. You could break your leg, you could get hit by a car, you could suddenly find out that you actually have heart disease at twenty, you could develop cancer. Have insurance, you need insurance. You legally need car insurance in the US, and you financially need health insurance. If you have a pet, I think it's a good idea for them to have pet insurance.

Credit cards are not for emergencies, they are not for fun, they are not for buying things that are just ever so slightly out of your budget, they are for taking advantage of the credit card company and managing to get by in a system that demands you have a credit score. ONLY put purchases on your credit card that you already have cash for. Before you get a credit card, build up an emergency savings so that you aren't tempted to put emergency charges on your card.

If you DO end up with an interest-bearing debt, pay it off as fast as possible because letting it linger costs you a LOT of money in the long run.

Stay the fuck away from tobacco and nicotine products they are fucking terrible for you, they are fucking expensive, and they are not worth it put the vapes down put the zyns down put the cigarettes down I will begin manifesting in your house physically i swear to fuck. Knock that shit off and put the cash that you'd be spending on nicotine into a savings account.

Take care, sorry everything sucks, I promise that in some ways it actually sucks less than it did before and we're working on trying to make it suck even less but it's taking a while.

[nightingale-prompts]

Is it mine?-DCxDP prompt

Tim and Danny currently have a very casual relationship. Its not exactly talked about since it can be really hard to explain the esoteric part of it. It is mostly because they have an odd sex life. It is purely emotional. No seriously. One of the drawbacks of being with Danny is that he's not a human but an ancient. That means too much touching can overwhelm and fry a human's brain. So their relationship was purely on a metaphysical level that was based on Tim's need to understand that Danny was and Danny's desire for contact.

Danny decided to join the Justice League at some point and use a physical body again.

Things kind of got out of hand after that. Tim and Danny finally consummated their relationship.

But then things between them got awkward after that. The part about making things official just never came up.

Then Danny told him that he was leaving to take care of some things in his realm.

Two months later they see each other again but this time Danny was holding a baby. His daughter, Elle.

Elle looked a lot like Tim and well Danny of course. Tim immediately assumed that through Danny's freaky ghost biology and them having physical sex caused him to get Danny pregnant some how.

Tim didn't actually ask Danny to confirm this and Danny just assumed they weren't in the sort of relationship that required him to tell Tim what happened.

Tim's first instinct was to never tell anyone what happened and pretend he did nothing wrong as always but recently he's had a talk with his family and they agreed to be more open. Tim didn't actually want to be open but if word got around and they didn't hear it from him he'd hear the end of it.

So with his tail between his legs, he awkwardly told Bruce that he not only knocked Phantom up but they had a daughter.

Bruce took it well. Mostly. I mean Tim was an adult now and he was going to have adult relationships but he would have rather been given more of a heads up. Though he'd be a hypocrite to judge. Having a grandchild now did improve his mood though.

Jason however was going to strangle Tim for this. Mostly because this would get in the way of him asking Jazz out now that his irresponsible brother had a baby with her brother.

Dick had alot of mixed feelings. His little brother had a baby before him, and he should be distraught that Tim's life will be deeply affected. But on the other hand, he had a niece. And he really liked the idea of a niece.

Damian just slammed the door of Tim. So there is no clear answer on how he feels.

And Danny. He was unaware of what was going on. He had spent the last few months with Clockwork working on reconstituting Elle's body and keeping her soul ready for transfer into a new vessel. It was agreed that she'd rather be reborn into a new body that wasn't partially related to Vlad and wasn't just a clone.

I took alot of work but she was finally ready after months without sleep from Danny.

As soon as he got back he kind of just passed out after asking Tim to hold her.

[paulyenvol6]

Byka Atroksia (Masterlist)

This is the masterlist/moodboard/summary for my new series called "Byka Atroksia". It's a story between Daemon Targaryen x reader (Vhaela Targaryen)

First of all: This story is based on the HBO/Max TV show House of the Dragon and the works of George R R Martin. I don't own any of the characters.

This story should only be read by people over 18 years as it contains adult content.

You can find the following themes in this story: HIGHLY detailed smut, fingering, oral (f & m receiving), kissing, dirty talk, losing of virginity, gagging, p in v, unprotected sex, period sex, praising, degrading, edging, overstimulating, blindfolding, some non-con choking, possessiveness, body image issues, angst, mentions of period and pregnancy, incest, inappropriate relationship between uncle and niece, power imbalance, dom!Daemon, inexperienced reader, arranged marriage, toxic relationship, morally questionable behaviour, abusive behaviour, sexual abuse (not performed by Daemon!)

Disclaimer: I am aware that the dynamic of this relationship is problematic as Vhaela's inferiority complexes cause her to search for Daemon's attention. So please be careful while reading this and have in mind that this kind of relationship is neither healthy nor desirable. Daemon is a bad person. His actions are irresponsible and unethical and he manipulates Vhaela. Don't try at home please.

Disclaimer 2.0: The G Spot: In this story I mention the g spot (even though the characters obviously don't know this term for it and what exactly it is) as a way for women to receive pleasure. I know that the existance of it is controversial and it's not scientifically proven that something similar exists. However, I still decided to include it in my story so my main character is able to receive pleasure by vaginal sex, but be aware that a lot of women don't get pleasure plainly by vaginal sex. I just don't want to portray a false image of what sex is supposed to be like so I felt the need to write a short paragraph about it.

Summary: Vhaela Targaryen is the younger sister to Rhaenyra Targaryen and has all her life felt like she was competing with her sister for their interesting and dangerous uncle's attention. In Vhaela's mind her beautiful and confident sister has already won this fight but when Daemon Targaryen returns from a battle at the Stepstones things seem to be a little different and she explores a whole new world of emotions.

Smut is marked with *

Chapter 1 Chapter 2 * (very light smut) Chapter 3 * Chapter 4 Chapter 5 * Chapter 6 * Chapter 7 Chapter 8 * Chapter 9 Chapter 10 * Chapter 11 * Chapter 12 Chapter 13 * Chapter 14 Chapter 15 Chapter 16 * Chapter 17 Chapter 18 Chapter 19 Chapter 20 * Chapter 21 Chapter 22 Chapter 23 Chapter 24 Chapter 25 * Chapter 26 (Final chapter)