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#a) i'm a person not a robot and this is my blog;
stilljuststardust · 24 hours
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Hey my sister wants to shift, she’s 13, what is the most basic “here’s what you need to know and never listen to shifttok” song you’ve got for her?
∘₊✧Explanation✧₊∘
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Thanks for the ask! I'm sorry this took me so long I've been having some health issues.
Disclaimer, please read:
There are SO many different perspectives on how it works. Mine is not the only one and though all perspectives are valid, I'm going to assume that you chose to ask me because you are familiar with my blog and how I personally view shifting.
I'm going to try to leave LOA out of it but that is how I personally view shifting.
What is shifting?
Shifting is when you become aware of the life you're living in another reality. The reality you shift into is just as real as the one you are currently in. It will feel real because it is.
How to shift
Strictly speaking, you don't have to do anything to shift. How people shift is so personal and customized and nothing is necessary to do it but I'll try my best to give "instructions" anyway.
You decide you're in your DR, you decide that it is true and it has worked, ignore anything outside of yourself that tells you otherwise, and know that it is true because you freaking said it was.
You decide you've shifted and ignore anything but that decision. That is IT. Don't worry about this reality, it doesn't matter. Don't worry about any aspects of this reality you can still hear see or feel, they won't stop you from shifting don't let them distract you.
ALL you have to do is become aware of your DR. I know that it can be hard to conceptualize that for a beginner so most people use methods.
Methods
To start off: It is not necessary to have a method. Many people just intend to shift and then they do. That's it. You don't have to do anything, however I recognize that for someone who isn't familiar with shifting "just intend to" is probably an unhelpful answer.
Most methods can be divided into two categories, awake and asleep methods.
Awake methods revolve around becoming aware that you are already in your DR.
Asleep methods revolve around becoming aware that you will wake up in your DR.
Common features in both kinds of methods:
Meditation
Visualization
Affirmations
Affirmations are pretty straightforward, you repeat a sentence that aligns with your goal over and over. "I have shifted. I am in my DR."
What I personally do
I robotically affirm all day "I am going to shift tonight" robotic affirmations are just repeated affirmations without feeling. So all day I just say it to myself again and again.
I then take some time to sit down and imagine my desired reality, my favorite street, pretty things I would see throughout the day, stuff that grounds me in the feeling of it.
Then I just lay down and tell myself I'm there no matter what. No matter what I feel hear or see I am there.
Doesn't matter I'm there.
Frequently asked questions
I am choosing to put these first because I feel like they really clarify what shifting is and how it works.
Will I have memories of my destination reality once I have shifted?
Yes, you have always existed in that reality and you have a life's worth of memories there. When you become aware of a reality and of the version of yourself that exists within it you also become aware of your memories there.
How does scripting work/ what is it?
It is a description of the reality you'd like to shift into, usually written. Think of it as an the address of the reality you'd like to shift to. You specify the details of the life you would like to become aware of. Having one is not necessary.
Can I script [insert anything here] ?
Yes. You can script anything, and I mean anything. If you can imagine it, it is possible. The realities we shift to do not have to follow the rules of this one and what is impossible here doesn't have to be impossible there. You want to script the sky is purple? Then it is. You want to have wings? Congratulations you can. I cannot stress this enough, ANYTHING you want can be scripted.
Relevant posts
Your desired reality already exists
An old post of my own shifting routines nothing listed is necessary, the list exists to give ideas not instructions
How to visualize
A good post on shiftok misinformation by my awesome mutual
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thebuttonblossum · 5 months
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So I watched all the Murder Drones episodes out so far and I've come to a conclusion
I'm a certified Nuzi shipper, and half of that is because I think they're cute. The other half? Pure spite. Pure spite towards this one particular person online that I only vaguely remember who misguided me under the impression that they were implied siblings so I thought it was a proship because I hadn't seen the series and didn't know any better. Whoever you are, you lied to me and I hope your pillow is warm on both sides 😘😍🥰❤️💞💘💝💖💗💓💕💟❣️❤️‍🔥❤️‍🩹❤🧡💛💚💙💜🤎🖤🤍
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been getting into toki pona recently. and i'm not great with all the grammar yet. but i am really a big fan of the whole concept. i like rephrasing complex ideas through the most basic of concepts and i love translating idioms into. not idioms. 'when night falls' -- > 'if the sun dies' delights me. its like a puzzle and that's what delights me. i don't think i'd enjoy speaking it casually but reading and translating are super fun. the same kind of entertaining as a jigsaw puzzle. but there's also a level of philosophy involved. with redefining complex feelings. tldr. robot girl with robot brain likes puzzles too much. so nothing new. all of this is to say. i'd like to be acquainted with all the tokiponists out here because y'all seem super cool.
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b4kuch1n · 1 year
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dedramatization
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this is, indeed, fanart for @metanoia-blues! just straight up aped a whole scene from the latest episode (ep. 70) to draw into comic form lol. what a time I chose to join back in on the journey
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fuumiku · 2 years
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Wip. I do want to finish this, i really enjoy doing even digital art of Metal, digital which is usually painstaking for me to do, and I’ve got sooo many angst art pieces of him in the works lol
But this is vent art. And I’m thinking it can be a nice opportunity to give an update on myself? And have a talk about flowergore, machines, sketches and disability, because I’m in that kinda mood
I didn’t want to put a read more split on this post but it became too long to comfortably fit on my blog, so alas... Life doesn’t often go as planned, yeah?
Cw for the next paragraph, just skip if these make you uncomfortable, or if you want to go straight to the flowergore & metal convo: discussion of chronic illness & disability, with references to disordered eating. I’ve been diagnosed a bit less than a month ago with a chronic autoimmune disease that has been severely impacting my life for a long time without my knowledge: coeliac disease. Basically, my intestines see gluten as something to defend the body against, and that not only causes painful indigestions but also damages the intestines over time, so much so that the body starts having trouble digesting other things and getting nutrients from food. This has caused chronic pain, a miriad of ungodly symptoms like hair loss and skin rash, but honestly, more impacting? Chronic fatigue. I cannot express just how much psychological and emotional damage it has done to me, to have that decline of energy come in waves, but also steadily going down over years right up to now, where I spend most my days laying in bed, where sitting up in bed and booting up my computer is a “good day”, where I’m either sleepy, exhausted, bored out of my mind or frustrated that I can’t just be making the creative content I want to do. The self-esteem utter destruction, having to work through with myself that it’s okay to be idle and abandon all ambitions, to prioritize physical survival and keeping the will to live even as you stop eating to protect yourself from pain, struggle to keep up with your daily schedule and even thinking takes so much energy. My ipad, my accessibility tool that allows me to do something even as I can’t do anything irl, has become super old and dysfunctional. It gets overwhelmed easily and works slowly, closes randomly, corrupts art files and loads apps uncorrectly. Doing anything with it is either incredibly frustrating, time-consuming and difficult, or straight up impossible or a risk to lose work. I have a Metal Sonic artwork I’ve lost and redone twice, I’m currently taking a break from redoing it a third time. It’s been rough. But tbh, in another way, I relate to it? Massive brainfog energy, lmao. When I have to remind myself that machines are faillible too, I end up humanizing it and validate its struggles, even tho it isn’t alive and it just malfunctions because it is what it is. It has taught me patience and the ability to build back up work that I have lost. But hey, there ain’t no reason to add another layer of inaccessibility to my pile, and I ordered a replacement for it just today! I’ll be so much more productive and happy with material that works smoothly and allows for more. But anyways, back to flowergore.
Flowergore is vividly poetic, but I only realized why it has always appealed to me as a comfort/vent and cathartic aesthetic while drawing this: There’s an innate stillness and loss of control to flowergore. Pretty, but tragic. Illness stops being an evil, and becomes a simple product of life that does its thing regardless of the will of the soil it grows in. You have to tend to the plants, whether you trim them to get them under control or must care after them to coexist.  No matter if you find the flowers pretty or not, it doesn’t change anything. The flowers aren’t an innate good nor a moral wrong, they don’t even have an opinion about growing on you. They don’t care, they can’t, they’re just flowers. And yet there’s something so comforting about it, something that can be sad but that can just be peaceful, too. It’s about living through the effects, and dealing with the weeds as they come and go. Resigning yourself, or the process of getting there. It’s about acceptance, and compromise. I think flowergore has innate ties with disability and illness that can’t be denied, nor broken honestly, when you think about it. I also think it can represent/relate with dysmorphia a lot, bodily or otherwise. In my case, I have various skin and sensory issues that give me dysmorphia, and an otherwise “I hate my body and my body hates me” feeling.  The stillness of flowergore often resonates as fatigue, sadness or anguish. It personifies the illness in a way that you can better reflect on your relationship with it, and your relationship with your body & yourself, in a way that allows you to better vent about them. It’s very healing.
These sort of things are the kind of thing that sometimes, you kind of have to personify to distance it from your identity and properly cope with them, you know? Or it’ll just consume you. Even way before I developed my disease, or was regularly fatigued, I loved flowergore, and I think it’s just... A really nice way to frame things weighing you down, that you just kinda have to deal with and process through. Even vague or “normal”/”light” things, like fatigue or negative thoughts, feelings or insecurities.
And don’t get me STARTED on the metaphors and feelings of plants sprouting from an inorganic machine. It’s the classic “sprout growing from a crack in concrete” dystopia trope, except with a negative punchline hah. I’ve always loved to humanize the dehumanized: robots, antagonists and otherwise. I love having characters that feel like they’re on a high pedestral of innate difference and superiority away from others, but that makes them unreachable by default, deeply lonely and misunderstood for it, wether they’re truly an exceptional being or not. I love characters thinking that they’re above physical or emotional weakness getting a slap in the face and having to acknowledge their vulnerability and neglected/suppressed needs head on. I love the delusional, emotionally repressed with anger issues robot having a moment of clarity where he allows himself to be honest to himself for a bit, and resigns himself to the pain of his past and future, before returning to their regular schedule or self-destruction, or not. Ignoring is often the only option you can manage to choose when you don’t have the strenght to make a change or admit to something you didn’t want to about yourself, but ignoring is a lot harder when the proof grows ever bigger and more out of control everywhere on your body. It shouldn’t. It shouldn’t grow on you, impossible. But it does. So what are you going to do about it?
I think I finally get the appeal of hanahaki stuff too. I never understood before, but now I can see it in that same vein. Unreciprocated love causes flowers to sprout wildly, causing, at best, only body horror and/or wounds, when weeding them out or otherwise, and at worst proves to be fatal, most often by suffocating. Except that instead of illness or things like that, the thing you experience a lack of control over and feel some sort of detached destructive blame or resentment for is feelings. Feelings of love, like falling deeply in love, without your own consent, and the pain that being unloved brings. Your love, like a damaging parasitic disease.
Yeah, this isn’t gonna be my last flowergore content.
I didn’t end up talking about sketches, I don’t have the energy to and I don’t think it fits in with the rest anyway, but basically? It’s been an healing journey to allow simple, unclean sketches to be “enough”. To not be shameful, to represent progress and be pretty in their own right and a valid art format. And so, with all of this, I post my messiest sketch on social media to date. One of my very rare public wips. Freedom, baby. You get what you get, and that’s fine. Low standards art is part of my disability recovery arc ✨
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daz4i · 2 years
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disagreeing is a sign of trust and comfort in friendship. if you cause a scene or react in an extreme way whenever a friend disagrees with you (on small things, like fandom stuff or what food to order or w/e), you make them feel unsafe to be with you. if i can’t tell you no on things as small as that, if you don’t let me talk beyond saying “so true, you’re so right” etc, then how can i trust you to respect my personal boundaries? how are we supposed to establish a friendship, or any sort of mutual relationship at all? you don’t want a friend, you want a robot who will go along with everything you suggest, and that’s unfair to me as a person.
i get it can be unpleasant sometimes. you have the right to establish your own boundaries in that regard as well, saying “i don’t feel like having a discussion right now” or “this topic is personal to me and your disagreement with my ideas on it come off as disrespectful”, that’s fine. but if this keeps happening every time you talk to people idk what to tell you tbh, it sounds like you’re not looking to have a conversation at all, just to throw your own ideas at another person for the sake of getting them out there, and that comes off as dehumanizing, so how about.... don’t do that. pay attention to the other side, ask them questions beyond “do you agree” (with the expectation to hear a yes/argue if the answer is no), have meaningful (and respectful) discussions.
disagreement isn’t a bad thing, it’s a sign of trust, it’s a sign i feel safe enough to speak up my mind around you, but by punishing this behavior over and over you chip away at my trust and push me away. idk what to tell you man. if you don’t want that to happen then don’t do this sort of thing
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gohreko · 11 days
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Well hey there! I used to be ghonrenoki but either the growt in traction or the high amount of ask and messages flagged my past blog as a robot :^)
I'm a venezuelan disabled trans artist still in urgent financial help over here. I don't want to repeat myself of be too personal, but essentially our car's wheels broke and we now have a new urgent thing to assist, so that's why after consulting friends and clients I elevated a little the goal and comm prices.
If you have the chance, please consider making a donation, buying a commission, or just helping me by rebloging this post is more than enough! <3
( $150 / $2000 )
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eamour · 16 days
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Hi i don't know if you'll reply/repost this ask but i really believe what i have to say is needed to help people in the manifestation community i am only sending this to you because you are one of the few active ones with a decent following that can get the word out..
The amount of complications people in this community have brought upon themselves is just infuriating and annoying the amount of creators/blog writers that come up with something new every week are just deceiving and preying on people who want to have a better life if you care i hope you'll post this.
Lies and overcomplications like;
'You shouldn't feel lack' 'don't focus on the 3d' 'know that you have it and go on with your life' 'this is the only way you can manifest' 'don't try to affirm or visualize it won't work its just endlessly affirming' 'feel it know' the amount of 3d and 4d 'live in imagination' is all a bunch of bs what Neville said is not the final! And you all seem to forget that
You can do all that and still get what you want sure! you can manifest this way too but why overcomplicate it?
(Yes there is a possibility that spreading this misinformation may not be necessarily intended to cause harm and might be just a misunderstanding from bloggers as well but it still causes to harm to those who are vulnerable and are just wanting to better their life and learn about manifesting)
None of this matters you are the only one who makes yourself manifest and there are many ways and you can use any way/method the problem on tumblr is people push only one way no you don't need to be fulfilled in imagination or 'know you have it and shut up in order to manifest sure Neville found a good way but its not the only way but the amount of people here who push this as if it's the only way and say if you don't do this you will never manifest are fcking playing with people's time and energy! i'm here to root for how far visualization affirming and robotic affirming goes,just for the average person its just such a quick and easy and 'failproof' way to 'get you desires' you don't need to hate the word 'get it' or something like that you don't have chase after knowledge or understanding to 'finaly manifest', when i went back to watching sammy and just affirming with no care about believe the thoughts no care about things like 3d or 4d no care about fulfilment or doing it to get it or anything like that...I've been carefree i don't worry at all...we are always learning about life and spirituality but you don't need an awakening or some sacred knowledge to manifest
You can read these posts that helped me but please no more,thats it no need to scroll and scroll and search for an answer
You don't need to read it all throughly just get the main idea you're good (most of them are short)
https://www.tumblr.com/imperfect777/744087420843245568/stop-scrolling-on-tumblr-twitter-pinterest-etc?source=share
https://www.tumblr.com/miracledarling/715265433528320001/the-key-to-manifesting?source=share
https://www.tumblr.com/sp0iledprincess55/744703729957257216/100-proof?source=share
https://www.tumblr.com/dreamsintoreality111/672119540555153408/hey-do-you-prefer-to-change-appearance-through?source=share
My tips and experience..
All this time after being kinda obsessed with the void state (don't even get why people renamed the i am state by Neville lol) trying all things but just being lazy giving up restarting and going back to the old way of thinking, thinking 'why i fail' but now looking back and realizing i just got distracted and stopped never persisted .... now i realize how easy it is but what tumblr was doing was just discouraging me all along so many people lied or were misguided and said 'don't endlessly affirm just decide' implying if you try affirming you'll do it endlessly and never have what u want.. and so i listened....i used to watch sammy after a few videos last year i joined tumblr for a few 6 months at some point i was just reading things which have already been said and read..so i quit and decided to delete tumblr to just actually apply because reading the same thing over and over is no use...i'm now watching sammy ingram again so this is what i vouch for, affirming and thoughts watching sammy ingram (if just deciding or knowing seems like its not for you sammy ingram is great and in my opinion if i also just know or decide its mine then by affirming aren't i just reminding myself..'knowing' & 'deciding' in a way too?) again sammy joe dispenza is more helpful compared to tumblr over 6 months... i have logged back after a month typing this rn to help people and will delete my acc today even the creators i used to follow haven't posted in weeks and i urge people to leave tumblr after a certain point please live your life.
posting this for everyone who is currently overcomplicating the law and beating themselves up for not "doing it right". ♡
i want to add something: you can believe in all of these things (such as "feeling it real" instead of "affirming to get") and if it works for you, that’s good! that’s quite literally the law. but if it’s the opposite for you, if you think that it’s too much work and you would rather robotically affirm to get your desire, then do that.
i have seen both sides on tumblr and twitter, and they are both successful. it’s up to you what you want to make work for yourself!!
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heartfullofleeches · 2 months
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ok but mono w stoner darling how would THAT go 😭
Funnily enough, I think these two could be quite happy together. How I imagine it is Mono first learns of Darling through the post they made while high out of their mind rambling about numerous topics from their life to whatever random shit their inebriated mind cooks up like how much it sucks food doesn't taste like it did when you bought it when you reheat it in the microwave. Mono finds their bizarre post cute, and it gives them some insight to the human world which is the excuse Mono uses to stalk their page.
Mono eventually reaches out to darling. They're on the fence about whether to reveal they are an alien royal or just pretending that they're a human liking Darling. Something tells them Darling wouldn't care too much either way, but they still aren't sure. It slips somewhere along the way, but as Mono first assumed Darling doesn't give a damn. Having an alien penpal is probably the coolest thing that ever happened to them. Mono keeps their distance for the most part, but one of Darling's post finally gives them the push to meet their starlight in person.
"The world feels so small sometimes... I look out at the stars some nights and I wonder if the universe is just as tiny. I'll probably never get to find out myself, but it's nice to dream that I could....."
"My ship is outside."
".....fr?"
Darling probably thinks they're joking around at first, but the second they step outside they see a big ass alien robot carrying a bouquet of their favorite flowers. Flowers they had told Mono about. Darling is glad to abandon their old life, but they don't think they have enough weed in their stash to last them for however long they're away. Mono's ten steps ahead of them on that front. Its always had a bit of a green thumb so adding a few herb plants to their horde was no sweat off their shoulders. Sectioned off an entire quarter of their garden/lab just to grown more for Darling. Dabbles around in edibles and oils as well - anything to make sure Darling is happy and feels like they never have to leave their ship beyond the trips they take to new worlds.
Mono would have Darling hooked up, but they'd also have Darling fucked up and high out of their mind playing around with different strains to ensure Darling gets the maximum high.
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Mono: Starlight? You haven't given me an update on the last batch of edibles I brought to you. It has been roughly twelve hours since you digested them. Would you care for more?
Stoner Reader, cradling the ship ai's monitor they ripped out of a wall - staring at the ceiling as they whisper : I think.... I think I'm good for now
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Mono is an amalgamation of flesh and metal so they probably could get stoned with Darling. They are a little hesitant about letting Darling update their blog due to still being in hiding from its family, but they cave everytime Darling asks them to join them for a picture flashing that adorable smile of theirs Mono can't help but fall more in love with whenever Darling blesses them with a glimpse of it.
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bluecollarmcandtf · 3 months
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Ask me Anything...
Today seems just like any other boring day, slaving away in the office, but something different is about to happen. The steady hum of fluorescent lights is broken by the squeaky sound of wheels rolling up behind you. Someone is visiting your cubicle...
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"Dude, you ok?" you ask, startled by the sorry state of your coworker.
His name is John. He started working here a month before you did, but he's always labeled you as "the new guy." He's really annoying about it, but you've never complained. It's hard to get mad when you've got a crush on him. It just sucks that he's straight and always teasing you in front of the boss
"Seriously, John," you wave a hand in front of his unresponsive face, "Are you alive? You're drooling all over your shirt!"
His blank expression is unsettling, but seeing him slumped over in his seat like a lifeless sex doll is turning you on. You can't help but stare at the parted lips or the limp body. With a shudder of excitement, you notice the outline of his thick package as his slacks ride up his waist.
His prolonged silence is making you more nervous, "John? I'm starting to get worried..."
Suddenly his head jerks up! His glassy eyes stare blankly in your direction as his lips mechanically form the words, "Do not worry about this man's health. Your colleague will be returned to normal with no memory of this."
His robotic response only puts you more on edge, "John, why are you talking in the third-person?"
Before you get an answer, the man springs out of his chair and drops to the floor, sitting on his knees in front of you without a thought in his head. This can't be the John you know!
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Everything about this feels unnatural and wrong. His words sound rehearsed, like they're coming from a machine in his throat. His movements are limp and uncoordinated, like they're being pulled by invisible strings. Someone has taken over your coworker!
"This body is being used as a messenger," he explains from his knees, "He is being used to announce that the Bluecollarmcandtf is now open for Asks. For a short time, you can use the Ask feature to request a story..."
"What!" you gasp and glance around the office nervously. You can't believe that a silly blog you follow has somehow taken over your hot coworker! What if your boss comes out and sees John on his knees in front of you? How is this even possible?
"...you can ask for anything, and Bluecollarmcandtf will bring your fantasy to life. Maybe you want someone in your life transformed. Maybe you want them controlled. Maybe you want them humiliated. Bluecollarmcandtf will take care of it for you as long as you follow him..."
Your mind is racing, and you can barely grasp what John is telling you. Mostly, you're just worried someone is going to catch sight of your coworker kneeling in front of you!
"Ok, thanks for letting me know," you grit your teeth anxiously, "Please put John back to normal now."
"...John won't go back to normal just yet," John answers numbly, "Give him commands to obey. His body is yours to boss around for the next twenty-four hours..."
"Boss John around?" you gasp, wondering what to make him do.
"You have ten seconds to give John a command. If you don't, he's going to start braying like a donkey at the top of his lungs. 10. 9. 8. 7. 6..."
"Ok! Just shut up and kiss my feet!" you blurt it out a little louder than you mean to, but at least John won't start drawing any more attention to you by acting like an animal.
John stops his countdown and lowers his face to the floor, planting a kiss on each of your fancy loafers. The funny thing is that he doesn't stop. I suppose you weren't specific enough with your command because he just keeps mindlessly switching between each shoe, making out with them like it's the most normal thing in the world.
Your mind is racing with what to do next. Already, ideas of how to humiliate him and use him are swimming through your head, but remember what he told you. Asks are open!
Don't be afraid to request taking someone else under your control. Maybe Bluecollarmcandtf could do something about that boss of yours? You'll obviously have to be careful about what you ask. Fantasies can always be misinterpreted...
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mizu-nights · 4 months
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# another language
★ — chars ; toya , akito , rui
★ — notes ; HELLO NAGULAT AKO NUNG NAKITA KO TO FHDHFHFFH di ko na-expect na makakatanggap ako ng tagalog req... hindi ako masyadong magaling mag tagalog (native language ko...) PERO hopefully maiintindihan mo ito huhu ... also yes ofc feel free to ask any questions u want! (just not personal ones obv)
★ — notes (2) ; i had a fun time writing this, but i'm rlly rlly nervous abt posting it (╥﹏╥) if i accidentally made a mistake in a few parts, pls don't be harsh with me!
★ — notes (3) ; fem!reader implied for akito , otherwise none!
★ — languages used (keep in mind i used google translate for some + my tagalog isn't good) ; tagalog , italian , korean
★ — shout out to my bbg for helping out with akito's part (she doesn't follow this blog and i hope it stays that way)
★ — requested by ; anon
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★ aoyagi toya — tagalog :
oh, he's so confused. of course he knows that you're speaking in another language, yet he doesn't know what you're saying...
so, naturally, he wonders what you're talking about when he accidentally overhears you in a call with your friend one day.
"ang pogi si toya... like jusko sobrang sweet niya sakin baka magka diabetes ako." (rough tl: toya is so handsome... like oh my god he's so sweet to me i might get diabetes.)
... he understood about... 3 words—'toya', 'sweet' and 'diabetes'. and now he's extra puzzled.
toya asked you about it the next day since he doesn't want any misunderstandings between the both of you. which led to you becoming a rather shy mess while explaining what you were talking about.
"oh... i see."
despite the dry response, you could see toya's face lightening up once he realized that you were actually gushing about him, just in a language that he didn't understand.
he definitely researched some cute endearments that night, so don't be surprised if he randomly calls you names like 'mahal' or 'sinta' from now on.
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★ shinonome akito — italian:
akito got the idea over time that you were talking affectionately about him in another language, but he would prefer if you admit it yourself. mostly just to tease you, honestly.
with that in mind, he's still a bit surprised when you tell him you love him in another language.
"...ti amo tanto." (rough tl: i love you so much)
"huh?"
"nothing!"
but with how cute and funny his reactions are, how can you stop? his confused look always looks so charming whenever you compliment him.
"sei così carino, sai?" (rough tl: you're so cute, you know?)
"okay, seriously, i don't understand a single thing..."
eventually, he gets tired of your teasing and just translates what you're saying when you're gone. prepare to be surprised with random compliments in your own language by your boyfriend.
"sei la ragazza... più carina che abbia... mai visto..?" (rough tl: you're the prettiest girl i've ever seen)
... even if it could use some work.
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★ kamishiro rui — korean :
rui is a sneaky one, so you always make sure to gush about him whenever he's actually away, or if he's asleep.
and in this situation, you thought he was asleep. keyword: thought.
unsurprisingly, it seems like your boyfriend stayed up a bit later tonight to finish an invention. you chuckled softly, finding him endearing as you covered him up with a blanket.
"...너 정말 귀엽다. 잘 자고 있길 바래, 내 사랑." (rough tl: you're so cute. i hope you sleep well, my love.)
rui was actually awake, though. of course, he couldn't understand a thing you said, but that only added to his list of robots to make.
so, weeks passed by after that incident. and something similar happened again, only this time, rui was prepared.
he rested his head on the desk, setting his brand new translator bot nearby to record what you say.
and, to say the least, his experiment did not disappoint! he's never going to let you live this down, either.
just to mess with you a bit, and to let you know he knows about your little secret now, he went up to you the next day, whispering something into your ear.
"내가 귀엽다고 생각해? 네가 더 귀여워." (rough tl: you think i'm cute? you're cuter)
you were so surprised, it's like he took your breath away. you give him a look that basically yells out, 'you know!?' and rui simply nods, with that well-known cat-like smile of his.
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arealphrooblem · 9 months
Note
Hi!! First off I just want to say that this is my new favorite writing blog on tumblr!! I'm so grateful for whatever strings the universe pulled that led me here. I'm literally addicted to every single thing you've written here. I swear I've read Mutually Assured Destruction like ten times within the past 24 hours.
I was wondering, if you find the free time and the inspiration, if you could write a villain x medic/civilian snippet? Maybe Medic accidentally witnessed villain's crime so villain can't let them just wander around freely since medic works for the hero agency, but also doesn't want to kill medic since medic is useful?
Thank you so much! I've always loved the idea of Villain x Medic so here you go!
CW: Kidnapping
“You know my face.”
The medic knew this day would come. Still, they froze in the doorway of the living room, keys dangling in their hands, blood frosting over in sheer dread. The villain sat with their legs crossed in the medic’s favorite armchair, the fire place unlit. The room in semi-darkness, the only light a glow from a street-lamp.
They didn’t ask how the villain knew their address. They should have taken Hero’s offer to leave under witness protection, but their whole life was built here. They couldn’t just leave and start over.
“I haven’t revealed it,” the medic said.
“Yet,” the villain amended. “I’m sure you would for the right price. Or under the right pressure.”
“You don’t know that.”
“I don’t. But I am not going to risk it.”
The lamp beside the couch switched on. The medic flinched away from the sight, eyes trained on the coat rack by the door. As if mattered anymore if they saw the villain’s face again. As if they hadn’t doomed themselves the first time.
Footsteps creaked over the old wood floors. The medic took slow deep breaths, holding it for four counts and releasing it. A trick they had taught people afraid of IV needles to calm their racing heart.
The time to run had long since passed. And even if it hadn’t, the villain most definitely had people outside lying in wait for such an escape.
Hands that tipped the medic’s chin to meet that dangerous gaze.
“You’re going to kill me,” the medic said. It was not a question.
An eyebrow raised. “You sound very calm about that.”
“My career has taught me how to recognize and accept things that aren’t in my control. Right now there is nothing I can do to stop you.”
“This is true.”
The villain studied them, thumb brushing absently against the curve of their bottom lip.  The darkness of their eyes felt unfathomable, like the Marianas Trench. Like the deepest part of the ocean, full of wonder and terror.
“I am not going to kill you,” the villain said finally. “I owe you my life. And I always repay my debts. But you know my face.”
The medic swallowed thickly against the barrage of options that opened up. The villain could blind them, torture them into insanity, cut out their tongue. All of the above. The villain’s hand slips across their cheek to cup the back of the medic’s head. A possessive gesture, they noted with a shiver.
“You are coming with me. Whether it be conscious or unconscious, I leave up to your . . . control.”
Relief warred with new fear. “Where are you taking me?” they asked.  “What happens to me when we get there?”
“Questions I will happily answer in the car,” said the villain, their hand sliding down the medic’s 
neck before retreating. “Hand me your phone and your keys and then go pack your things. You have ten minutes.”
The medic stood rooted to the spot. This was real, this was happening. And it yet it still felt like a bad dream. Ten minutes to pack their life up? Ten minutes?
“Tick tock, darling,” crooned the villain, holding their hand out.
Numbly, the medic dropped their phone and keys into the villain's hand and took robotic steps towards their bedroom. Clothes were easy to grab and stuff into the suitcase. As were their birth certificate and other identity papers. Personal items, less so. Medic spent precious minutes at their bookshelf, picking a well thumbed classic from their childhood, their most referenced medical texts, and a novel they hadn’t started yet.
The pressure of time throbbed in the back of their head, making it difficult to think rationally about what they needed. They ducked into the bathroom, grabbing their contact case and solution, their toothbrush. Then they stood in the middle of their bedroom, frantically trying to think of what they couldn’t live without.
“Times up.”
The villain’s voice came from behind, causing the medic to jump out of their skin.
“Zip it up and let’s go.”
The villain’s car lay hidden in the shadows of the back alley. A dangerous looking driver waiting for them, their cigarette glow the only light. The villain opened the backseat of the car for Medic with a mocking flourish.
It was their last opportunity to run, but the medic knew a shot in the back waited for them if they tried it. So, dread sitting heavy in their stomach, they climbed in. The villain took the seat next to them, giving out curt orders to the driver in a language the medic didn’t recognize.
 The nagging horror that the medic forgot something important haunted them. They leaned their head against the window, mentally walking through their house, trying to remember. But the fear churning in their blood made it so difficult.
“I’m taking you to my compound,” said the villain, almost conversationally. As if detailing the itinerary for a date. “I have a room set up for you, as well as a med bay. You can resume your work taking care of my mercenaries.”
The medic listened with half an ear, watching the wave of street lamps pass them by. What were they missing?
“No objections to that?” the villain asked, bemused.
They passed a park, one the medic had many birthday parties in as a child, and the sudden zing of memory made them gasp.
“Stop! We have to go back!” they cried.
The driver didn’t so much as flinch.
“Go back?" The villain laughed. "Too late for that, doctor. You should have protested before you climbed into this car."
"I forgot something!"
"Whatever it is can be replaced," the villain said with a dismissive wave of their hand. 
"It's not replaceable. Please."
Desperation clawed at their throat but the villain remained unmoved.
"If it were so important, one would think it would be the first thing you packed, not the first thing you forgot. You will have to learn to live without it."
The medic closed their eyes the rest of the journey. They couldn't bear to look at Villain's face.
"Do you regret it?"
The villain sat upon the examination bed, looking almost innocent.
It had been a week since the medic was taken. Their life had changed so drastically that the normality of the med bay, of the tools they had spent years around, clanged like a discordant note. They threw themselves into their work, demanding physicals for the Villain's mercenaries to establish a baseline of health. These people, so used to sewing their own wounds, grew awkward around the medic’s soft and attentive care. Some refused to come. 
The villain showed up last, a new laceration on their ribs. They sat, spine straight and unflinching as medic carefully cleaned the wound and bandaged it. 
"Regret what?" the medic asked. 
" . . .Saving my life."
Their hands stilled for a moment, hovering over the wound. It was a tricky question and the medic wasn't sure how to answer it honestly. 
"I would have regretted the person that I'd become if I had let you die," they said finally. 
"Oh? Most people would consider it a net positive, preventing all my future damage."
"It's not up to me to decide who deserves to live and who doesn't."
"I beg to differ. You hold people's lives in your hands every day. Who else, if not you?"
The medic glanced up at the villain, who stared at them with open-faced fascination, rather than the usual dispassion. 
"I don't think any one person should have that power," they said pointedly. 
The villain smiled, a slow curving movement. "A pity. You could be terrifying indeed."
The medic swallowed something strange dancing in their gut. "You're lucky I'm not." 
"Indeed I am."
They finished the examination without further conversation. The villain watched with quiet fascination as the medic sterilized their tools, folded unused bandages away, updated the Villain's medical records. 
"What did you leave behind?" they asked softly. 
"My life," the medic said, tersely, as they tapped on the keyboard. 
The villain was undeterred. "What did you remember in the car?"
The medic paused at that, unsure if they should answer. They didn't want the villain's mockery over it. But lies rarely went over well with the villain -- the medic had cleaned up the wounds left behind from that. 
"A box under my bed," they replied, keeping their eyes locked on the computer. "It had my keepsakes in it. Family photos, birthday cards, that sort of thing."
"Sentiment," the villain said skeptically. "That's what got you so worked up?"
"I wouldn't expect someone like you to understand," they snapped, standing up. 
The villain watched them leave and the medic felt their gaze like a laser all the way down the hall. 
Two days later a painfully familiar box sat on the examination table. Scribbled in sharpie on the cardboard was a message: 
I do understand. 
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artismeyou-12 · 4 months
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☘️ Hello everyone welcome to my blog 🍀
Pls you can call me Ary or Aru But choose one call me ':>
There are no real names or censored my face here
Here about me 🍀
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My Sona here 🕷️🕸️
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I use Multifandom ✨
I do take feel free request for chat or ask 👍🏼
My blog : @reblog-me-you-12
My Favorite Fandom :
BATIM OR BATDR
COF OR AOM
ATA
OATC
BACKROOM
KINITOPET
BFDI OR II
DDI
REGRETEVATOR
TAWOG ( Is actually the amazing world of Gumball lol )
🎶 My Favorite song 🎵
Laufey
Lumi Athena
Odetari
Tally hall
Mistki
Weeze
Lana Del Ray
And many other
My character or oc : Batim Becky , Mr demon , Erina Russia, Mr Sunflowy , Mr TIV, Ganny ( it's coming new oc or character )
My fav app song : Spotify, SoundCloud
Question :
what name app art ? : i use app Is a Ibispaint x
What find for brush code : you can find ibispaint x brush code pinterest :)
What are you use Finger or style pen ? : I can use both, whatever it takes :'>
Do you have a phone? : I don't have a phone, I use my mom phone sorry
What are you from and what your born too ? : I am from Indonesia and I was born on March 2 2010
What your height ? : i'm 161 Is my height 1,6m
What your zodiac ? : actually my
zodiac is ♑
Do you have commission ? : well i do Is free commission
🚫 Also Don't Send me to Pay for Commission Because i don't have Paypal or Kofi 🚫
It you want steal My art For pfp or Banner <33 ❤️
❌ DO NOT REPOST WITHOUT CREDIT AND DO NOT TRACED MY ART I WILL BLOCK YOU AND REPORT FUCK OFF ❌
It you want steal my art but don't forget put a
But also to my english Is not very good sorry
You can ask me
Funny
Whatever you anything lol
You can't ask me
Do not send me to nsfw
Do not send me you rude and mad Is not good i will ingnore you or block you
Do not send me vore that disgusting
Do not send me g/t i don't feel that small or giant for city person you made me uncomfortable
Don't making bully me, to report you ass
Do not send me donate
Do not send me to "Kys" i Will block you
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do not you said "kill yourself" i will ingnore
Don't send me Cringe to uncomfortable
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DO :
FURRY 😺🦊
SFW ✨
DOODLE
CUTE SHIP 💝✨
BLOOD 🩸
GORE 🫀
MURDER 🔪
ALL CORE OR 2000S
OC
CHARACTER
BACKGROUND
CREEPY 👁️
MONSTER 👹👺
HORROR 👻
HUMAN ✨
ALL ANIMAL 😺🐼🐵🐻
FANART
⚠️ WARNING ⚠️
This blog for age 12+ have Gore, Blood, Lovesick, content swearing
DON'T
NSFW
CRINGE
ABUSE
RACIMS
SHIP SIBLING
G/T
VIVZIEPOP TO ANYTHING
ROBOT ( i'm sorry i can't to draw robot Is hard )
VORE ART
TICKLE ART
PROSHIPPER
DO NOT INTERACT
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Followers P∅rn
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DEVIANTART : jjjjj667
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This user ... :
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and this reblog support my art
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💝 Have fun Thanks you so much 💝
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gorgeouslypink · 1 year
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Hello, my lovely followers. I know a lot of you are "states" girls or hard-core followers of Neville and if you are, please skip this post. Love you guys still though <3
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Okay so for my girls who are left, I wanted to share a few things that helped me in my void journey that I think can help you.
1. Using the Law in a Way that You Actually Believe Works for You:
One of my friends (@junkyutueme) opened up to me about a lot of their struggles and how they were kind of having a very toxic mindset trying to force themselves to occupy the state of someone who already enters the void and we talked about it and then we discovered that they didn't really believe in states and I advised them to just manifest in a way they actually believe so which is something that sometimes seems "wrong" on loa tumblr.
I've been in the void community for a long time and so exposure to the loa community is inevitable and I've seen it go through so many trends. I remember the days when SATs was THAT thing, yk? Like people would not stop talking about STATs and there were so many success stories. Then, there was a slight shift to Joseph Murphy and how his ideas aligned with Neville and that was a thing and people were succeeding everywhere. Then, we got affirm and persist. Like I know we all remember the 10k challenge. Now, we're on states. I remember the community being obsessed with Sammy Ingram, then went to Electrasoul, now we're on Edward Art.
I'm not saying these methods don't work. They do. They literally become trends because people succeed with them. The problem is that sometimes the loa community thinks that the trend is the only way to manifest. It is not. So are we going to go and tell all those success stories who just affirmed like a robot for the void that they manifested wrong? What about everyone who just used subliminals and got in?
What you assume to be true is true.
If you really don't understand how a method could work or you're trying to do a method but have doubts, it's not going to work. All you're doing is wasting your time.
This isn't to say the law is a waste of time. Please take advantage of the law 😭 It is so real and so powerful and you cannot see all these picture results with subliminals and so many celebrities talking about it and not realize this. I swear almost every successful person has manifested their success, like it's so weird to me when I'm randomnly watching a youtuber or celebrity interview and they reveal a manifestation method that worked for them and they don't even realize that they were manifesting.
But the problem arises when you enter a community that thinks manifesting is whatever is trending at the moment and maybe you're lucky and the trend is compatible with you. But if it's not, you're just wasting your time.
Take some time to read Neville. Personally I like Joseph Dispenza more because I'm a bit more logical. Please remember that these 2 dudes are also not gods or anything, don't adopt their limiting beliefs, just read to understand how they view the law and what works for them. Then, think about yourself. What is a way you have manifested before? If you don't have a way, think about all the methods and explanations and what acctually makes sense to you and do that and only that.
I always stress compatibility on my blog and that applies to the law and manifesting as well. Manifesting in a way compatible to you will guarantee your results, I promise.
2. EFT Tapping
I've talked about this before, I feel like it was a micro trend and then died out but EFT tapping is so powerful and I swear anyone who has acctually tried it will back me up on this.
I use EFT tapping a lot when I'm feeling sad. I'm going to go on a bit of a tangent here but I feel like a lot of people think that once you can enter your void, you're just going to be happy forever. The thing is you're still human and you still have feelings. I didn't revise my past or wipe my memory of it and I went through a lot of trauma which is something that I'm dealing with now and EFT has honestly helped me a lot when I'm feeling down and can't pinpoint why or when I'm feeling overwhelmed.
But going back on track, here is a great EFT track I recommend to help you manifest entering the void:
youtube
3. This is just a subliminal that I recommend everyone to add to their playlist. I recommend listening to 30 minutes but just listen how much ever you want to:
youtube
If you're in or were in the subliminal community, you know this subliminal but for those who aren't, back when I was in the subliminal community and hadn't entered the void, this subliminal blew up and everyone was getting such great results. I was someone who got a few results but I never really got my main ones including when I used void subliminals but I still tried this and I swear my days improved a lot. So I definetly recommend adding this to your playlist.
You've got this and I truly believe in you 💗
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snixkers · 2 months
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Control Freak
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Pairing: Emily × Fem Reader
EXPLICIT CONTENT
Smut with a plot
For: @d33pd3sire-blog
Content Warnings: need for organization, fingering, heavy kissing, petting, pet name (baby), no use of Y/N, slight dom/sub relationship
Summary: You're a control freak, but a night with Emily changes that.
Author's note: First time writing smut! Let me know how it is!
Feedback is always welcome!
Requests are OPEN
The desks of the bullpen were always neatly organized, in rows and sections demanding respect. The surfaces were clean with only a few personal items, but even those were kept to the side to make room for the work they had to do.
You sat down at your desk, straightening your pens out and making sure the logo of your mug was facing you. Across the divider, Emily watched you curiously.
"So, the organizing. What's up with that?"
You shrugged, already used to this question after dealing with it your whole life.
"I just like having everything in its place. Makes me feel in control."
You smiled softly at her and turned back to your computer, completely missing the way her eyes gleamed when you mentioned control.
----
Every time you traveled for a case, you were ready to head home immediately. Your clothes were wrinkled, the coffee there wasn't made the way you wanted, and most importantly, you weren't in your own space.
Emily set her duffel bag down on her side of the room, pulling her items out and tossing them onto the bed. You wrinkled your nose at the lack of organization but held your tongue for formalities.
She offered you the bathroom first, and you jumped at the opportunity to clean up before bed. After a long shower, you pulled on your pajamas, ready to flop onto the bed.
But when you left the bathroom, she started to laugh. You took a second to realize it was at you and your pajamas, bristling with indignation.
"There's nothing wrong with them!"
She shook her head, unable to wipe the smirk off her face as she watched you take a seat on the edge of the bed, following suit.
"I know nothing's wrong. I'm just not used to seeing you in anything less than business casual."
You rolled your eyes at that sentiment, although she did have somewhat of a point. It wasn't like you were a robot, but you certainly didn't like to make mistakes.
"I'm not Hotch, Emily. I relax every once in a while."
Her smile changed, turning almost predatory as she leaned imperceptibly closer.
"So there are times you like to give up control?"
You swallowed the sudden nerves down, the hairs on the back of your neck rising at the sound of her voice.
"I do, sometimes."
You hated the way your voice trembled and hers deepened, but you certainly couldn't deny the effect it was having on the both of you. She scooted closer to you, her eyes piercing yours.
The two of you stared at each other for what felt like ages, sizing each other up before your lips pressed together.
It was gentle at first, but quickly burned hotter as both of you realized just how much you wanted this. You wrapped your hands around the back of her neck and she settled hers on your hips, stroking the flesh gently.
You broke away from her and accidentally glanced at the mirror. You looked slightly breathless and disheveled, and you hated the sight.
She frowned softly as you pushed her away, but she wasn't going to push you for more.
"What's wrong?"
You sighed, not wanting to sound childish, but also knowing she could see right through any lie you could come up with.
"It's nothing to do with you. I just don't want to look messy."
She reached out to stroke your hair back into place, impossibly gentle with her touch.
"I promise when I'm done with you, I'll clean up the mess."
You shivered at the words, a surge of heat running through you. Wordlessly, you pulled her back in, as if to say 'Here's my trust. Now please alphabetize my organs.'
She grinned into the kiss, her teeth grazing your lower lip lightly before she slipped her hands just below the waistband of your pajama bottoms.
"I know it doesn't feel like it, but you're the one in control here."
You nodded, shimmying out of your pants and underwear as best as you could and kicking them off to the side. She sat you up on the bed, pulling your back flat against her chest.
She pressed kisses to the back of your neck, surprisingly gentle compared to the hands that were desperately wandering along the rest of your body.
You looked at your reflection in the mirror as Emily spread your legs apart, staring between your legs with a fierce hunger. The heat surged through your core, and she chuckled as if aware of the effect she had on you.
Emily traced the tips of her fingers down over your belly and around your thighs before finally settling on the one place you wanted her to touch the most.
You let out an embarrassingly loud sigh as she applied pressure to your clit, sending a shock up your spine. She grinned at the noise, circling carefully and watching to see what you liked best.
She kissed the side of your neck, meeting your gaze in the shared reflection. "See? You're in control, baby. You can see everything I'm doing."
You tried to reply, but all that came out was another moan as she increased the pressure against your nub.
She smirked, slipping a finger down towards your entrance. You nodded eagerly, desperate for more. You needed her to tell you what to do, and you wouldn't ask any questions.
Her finger slowly slipped inside your entrance, and she exhaled at the feeling of you around her. Your reaction was much less subtle, thighs squeezing together.
She shook her head, carefully prying your legs apart. "I want to see you. All of you."
You nodded, the dizzying pressure of her fingers pumping causing you to see stats. Clutching the sheets, you watched yourself turn into a mess at her touch. Shockingly enough, it wasn't as bad as you thought it would be.
She traced your shoulder, contrasting her second finger currently sliding into your wetness up to the knuckle. Your back arched at the sensation, silently begging her for more.
The pace of her fingers increased with your moans, and the continued circling of your clit had you writhing in her arms, at her mercy.
Luckily, she took pity on you, continuing her ministrations and pulling you closer. "Go ahead and cum, baby."
You let out a choked moan, fluttering around her fingers as you reached your high, your head falling back onto her shoulder.
She smiled widely, easing you down from your climax and pulling her fingers out of you.
"Was that okay?"
You could do nothing but nod in agreement, unable to put into words how much you wanted to do that again. As if sensing your exhaustion, she grabbed you a glass of water.
After sipping it gratefully, you curled up on the mattress and were out as soon as you wrapped yourself in her arms.
----
You were feeling much better as you headed into the precinct the next day, ready to tackle the case with a fresh perspective.
Working with profilers had its downsides, however. Rossi and Hotch noticed after seeing a wrinkle in your shirt. Reid and Morgan figured it out when you shrugged calmly when the precinct ran out of coffee, instead of grumbling. Even JJ realized something was up as you sat down in the crickety old chair, a smile on your face.
Reid raises an eyebrow as he stirs his ridiculously sugary coffee, glancing over at the area you had set up.
"You forgot your normal mug."
Your eyes widened as you realized you were in such a hurry you had left it in your hotel room, but there wasn't much you could do about it now.
"Oh, it's not a big deal."
The team stared at you in surprise, and you sank in your seat, trying to avoid Emily's smug smirk.
88 notes · View notes
notfinancialadvice · 1 year
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How I Built an Emergency Fund, inspiration I deeply hope is helpful
As the blog URL says, this is not financial advice. This is how I did this thing, and I am posting it here, publicly, in hopes that it helps you should you need this information.
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In short: Remix this advice to what fits your life + do not sue me if this goes poorly for you. This is for Americans, if you do not live in America and/or your money is not in America, I hope this is a useful base.
None of these links are affiliate links.
I write these things as a mental shift. I like to ramble and I wish I had someone tell me this stuff 20+ years ago. I'm hoping this helps you.
This is an incredibly long post so I'm putting it under a KEEP READING.
This post goes over two stages: "short term + not life-or-death" and "long term + actual life or death"
Part 01: SHORT TERM + NOT LIFE-OR-DEATH FUND
You need to find a high yield savings account that is FDIC insured. Ally is a popular bank for this.
Functionally, the only difference between a "high yield savings account" and "savings account" from the giant conglomerate bank down the street is the interest rate.
I do not know why non-high-yield savings accounts exist. I'm guessing because legally they can, and I hate it.
Moving away from my personal socioeconomic views to return to advice.
"FDIC insured" is not something you pay for. It is nearly universal on savings accounts. If a savings account, or a checking account, does NOT have it, then you should not put your money there. Something is wrong with that bank.
FDIC means if your bank goes out of business, your account is insured up to $250,000, per account, by the government. So if your bank goes out of business, the government makes sure you still have your cash (up to $250k).
A high-yield savings account means your cash is available whenever you need it.
Other products, like CDs, exist, but this ramble is designed to be as simple and starter as possible. Begin with a high yield savings account, build up from there as you do your own research + compare this to your needs.
Do not accept an account that has minimum balances. Do not open an account with monthly fees.
Touch this account as little as possible.
For every $1 you put in, every month, a few pennies will materialize. It's not much, but the main point is at every level, your money works for you.
Rich people do this. You can too.
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Touch this account as little as possible.
You can have multiple savings accounts.
I personally have a savings account in the above structure designed for "oh hell I am kinda screwed, but will be okay, just need a buffer."
"How much should I have in there?" you might ask. Common advice says "3-6 months expenses" which is a lot. I say "start with literally $1 and continue as you can until comfortable with what is possible, for you, at this time."
Will $1 make you rich? No.
Will it save your life in a bad situation? Probably not.
Does this $1 essentially become a tiny robot that is making you money for as long as it is docked into its cargo bay? ...weird metaphor but we'll go with it, sure.
Ultimately is it a start? Yes.
You can have multiple savings accounts. You can have a savings account "this is for short term emergencies" and "this is for... slightly less short term" etc.
It costs you nothing to have multiple. They all operate in the same way. It's handy to have them all at the same bank because it can make transferring cash easier.
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Part 02: LONG TERM + ACTUAL LIFE-OR-DEATH FUND WITH RISK SO BE CAREFUL
Once you have your savings account set up, and it's being funded on a regular basis (every week, every paycheck, every month, every quarter -- whatever works for you), look into creating a second, bigger, more dangerous-term cash reserve.
I like my Roth IRA. This is a link to a proper finance blog that has a lot of details. I am trying to make this handy/simple to get started.
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401ks and (non-Roth) IRAs are funded with pre-tax dollars, frequently in conjunction with your job.
Normally, cash goes from job -> government takes a slice -> you.
Pre-tax retirement accounts, cash goes from job -> retirement takes the percentage you decide -> government takes a slice of what is left -> you
Roth IRAs, job -> government takes a slice -> you -> Roth IRA
The benefit to pre-tax retirement accounts being, because the cash going in is pre-tax, there is more of it.
It can grow faster in the stock market or other places your particular fund allows you to put cash into.
The taxes come out when you withdraw -- usually retirement -- because if you withdraw before you retire, you are heavily penalized with extra fees.
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That's why Part 02 is a ROTH IRA. Your money has already been taxed -- job -> government's slice -> you -> Roth IRA.
This means the money is yours, already taxed. If you withdraw the gains, those get taxed, but the base, that's yours.
If you invest $100 and it grows to $105, you can withdraw $100 without paying fees or taxes. If you withdraw that extra $5, that is when taxes start to come into play. If you withdraw $100, and leave the $5, the $5 continues to grow, and that extra growth is taxed if withdrawn. So try not to touch it (ideally you leave all of it until retirement).
This is why this is an emergency, life-or-death only, account. You tap it only when you need to when all other choices are wretched and ruinous.
There is an annual limit as to how much money you can put into a Roth IRA (several thousand bucks).
You can start them very small. Like $20 or maybe less.
Look for a bank or institution that does not charge fees to open and maintain one.
AT EVERY STEP YOU SHOULD BE AVOIDING FEES
Here are smart people talking about ideas on how to get started.
Okay, so, what do we do now with this fancy roth thing.
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Here is where things get... uncomfortable.
A Roth IRA is an account type.
You need to do something with your money.
The reason you have this in addition to, and secondary to, your high-yield savings account is because this is an investment vehicle, the balance is going to go up and down, and may reach $0.00.
For my Roth IRA, I like "exchange traded funds" -- ETFs.
There are a lot of options -- you can invest in most anything
Because my Roth IRA is built for "help me I'm dying" emergencies, I invest in a mix of S&P 500 index funds and small-cap funds.
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SO MANY WORDS.
Let's break this down what this means.
S&P 500 index funds: This is an index fund of giant, giant, giant companies.
An index fund is like a stock. But instead of a single company, it tracks (owns shares of) an index -- like the DOW or Nasdaq. Or countries. Or... the entire market for oil. Etc.
The metaphor isn't completely accurate, but I like to think of it as "an index fund is a company that owns tiny bits of other companies."
Like, okay, say you have SlimeIndexFund and a share price is $40.
In this example, SlimeIndexFund owns $10 worth of "BardCo" and $10 of "ThiefCo" and $10 of "MermaidCo" and $10 of "EvilCo".
Let's say EvilCo does a lot of evil and is now worth $15, and MermaidCo does a lot of mermaid stuff and is now worth $15, and BardCo sings out of tune so is now worth $5. ThiefCo is oddly at the same $10 but we're scared so we're leaving ThiefCo to stay at $10.
A share in SlimeIndexFund is now worth $45. ($5 BardCo + $10 ThiefCo + $15 EvilCo + $15 MermaidCo)
This is diversification
Because I bought an index fund, instead of just buying BardCo, my risk is less.
Had I bought all MermaidCo, my return would be higher -- but this is a much bigger risk.
The entire purpose of this set up of a Roth IRA is TO MINIMIZE RISK.
Your Roth IRA should allow you to buy "fractional shares" and if it doesn't fuck that bank, go somewhere that does.
In the above example, SlimeIndexFund is $40/share and at that price you are getting the full benefit of 1 share.
Let's say you have $10.
You buy a fractional share of SlimeIndexFund for $10, which is 25% of 1 share.
So when SlimeIndexFund shares raise from $40 -> $45, your fractional share goes from $10 -> $12.50.
Not all funds and stock shares (etc) have fractional shares, most do.
It's a great way to start and build.
Small-cap funds: These operate in literally the same way. The difference is the companies are (in comparison) much smaller. They tend to be more nimble.
So I am diversifying between "here is a fund, it has a lot of large companies" and "here is a fund, it has a lot of small companies."
Let's say Big Office Building real estate goes down, but the sale of Small Company Making waffles goes up. This mixes together and I'm less in danger of losing money, or losing much money.
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You can pick individual stocks.
The reason it is not recommended, by nearly everyone, is because the market has incredible tools and power over individual stocks.
By using any kind of fund that bundles things together, you are thereby automatically using these tools by proxy
It is critical to understand this is the stock market. Your account will go up and down. It may go down A LOT, like 25%, and take years to recover. Maybe it goes down 100% to literally $0.00.
That's why this is the LAST RESORT EMERGENCY FUND.
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So why are we doing this.
This feels... wrong?
The potential for growth is significantly higher than a savings account. Adjusted for inflation, somewhere in between 6-7%.
At this rate, if you can leave your initial deposit alone for somewhere between 10 - 13 years, it has doubled.
This equation recalculates every time you make a deposit. So if you can deposit $20 every pay check, it has the potential to grow very quickly.
As above, this is the stock market, so it can also get wiped out.
But given the stock market has historically always recovered, though it may take several years, the risk is worth it to me + a lot of other people.
The reason this is built as a last-resort cash bucket is because of this risk. Before moving into this arena, you should have other cash buckets as a buffer.
Your RISK is it goes down. Which it will frequently.
Your REWARD is if it goes up. Which historically it has far more than it went down.
The PURPOSE of using funds as described above is so you don't have try to guess who the next Amazon is and wind up picking the next Pets.com (which went out of business, like, a long... long time ago).
The people making the funds figure out who is Amazon and who is Pets.com and work, day and night, to make your money grow and/or protect it when outside influences are hurting the market.
They are incredibly equipped to do this and their literal livelihood is on the line when they do it poorly.
Which is a polite way of saying, they are continuously incentivized above all else to work for the fund you're investing in.
The reason you're doing this in a Roth IRA specifically is you're hoping to keep as much of it intact, as possible, until you retire, at which point -- if you've followed fairly simple rules -- you withdraw the base and gains tax-free.
Whereas money in a normal stock account? Those gains are taxable every year.
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"I have literally $20 I can save per pay check! Can I put in $15 into a high-yield savings account and $5 into a Roth IRA to get started?!"
Yes!
Also, congrats! You're diversifying already!
Your Roth IRA broker should allow you to invest a minimum of $1 at a time, and buy fractional shares. If they don't, don't sign up with them!
Lean heavily into your high-yield savings account until that is very comfortable and thick, then push money into the Roth IRA.
Your goal is to build a system that works for you -- both literally (money working for you) and emotionally ("this is comfortable")
"Should I pay off debt before proceeding? A lot of people say to pay off excess debt first."
This is up to you.
Most financial blogs etc. do say "focus on paying off debt first" -- it's good advice, your returns are risk-free and permanent, since the lower your debt is, the less you have to pay over time.
Interest -- working for you or against you -- is continuous and eternal.
Personally, I like to diversify everything, so I not-financial-advice ramble "do all three -- pay down debt, throw a little cash into a high-yield savings, throw a little cash into a Roth IRA"
The problem with "pay off debt first" is that it misses out any occasional giant gains the stock market makes (Roth IRA) and introduces the risk of "I have paid this credit card on time for 5 years, I'm short on change for 3 months due to a situation that gets resolved quickly, and now I have a late payment fee, and a higher interest rate."
Look at your life, finances, and potential future and make decisions!
And also:
Always be on the look out for deals with banks. Sign up bonuses, referral links from friends, etc. Think of it as a money sale.
If you are not comfortable with the idea of a Roth IRA hitting $0.00 potentially, do not do step 02. These are ideas, not directives.
All financial tools can be used for different purposes. All of them. Thus -- these are ideas, not directives.
I am listing a few examples of banks, funds, etc. These are not recommendations nor are they affiliate links. They are listed because I want to maximize your start on this path, but caution, in strongest possible terms, you must do your own research and figure out what makes sense for you.
There are a lot of nuances I am paving over for the sake of simplicity, which is why I am continually saying...
...c'mon say it with me...
...you must do your own research before continuing
Smart, free sites that cover this + a lot of other stuff:
NerdWallet
Bank Rate
One final note about Roth IRAs:
Robinhood currently is offering a 1% match on an IRA. Considering the strict limits of how much an IRA can intake per year, it's not much, but it doesn't cost you anything. Money on sale!
As a final note -- always feel comfortable asking people handling your money for help. They are working for you. Your money works FOR YOU.
If you are uncomfortable, leave, immediately, without concern.
At the retail level, there are hundreds of banks and financial institutions clamoring for your business. If someone makes you uncomfortable for not knowing something, or getting a term wrong, or asking "too many" questions -- go somewhere else.
It doesn't matter if your account is literally worth $20.
They are working for you.
This is a business transaction, and if they make you feel like your time isn't worth their business, I promise you there is someone else who will gladly take care of you.
I end with -- whenever someone is giving you financial advice, always ask why. It helps ensure they aren't scamming you, it's just a good business practice.
I like to ramble, it helps me mentally
I like to be useful, I want the world to be significantly more balanced in terms of who is doing okay
I like to write, this is all good practice for me in doing Various Other Things I do
I fucking hate predatory financial practices. I was gatekept out of financial literacy for decades and so every time I help someone else figure out how to set up their own life and protect themselves it is a giant "fuck you" to the systems and directly to the people who stood in my way.
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