YAOI HEAVEN HERE I COME

And he kept doing it. Scene after scene.

He spent the film expecting someone to make a joke about how unserious things were or to break the fourth wall or do some other self referential type thing.

Now, maybe I'm just at that point in my cycle or maybe I'm too delicate in general, but I literally teared up hearing that. Straight up cried a bit. It is so fucking sad that sincerity and genuineness is being bred out of people.

People say all the time 'this generation can't take anything seriously!' and really, is it any wonder? Younger people have been trained out of it. You are no longer encouraged to be genuine or show emotion or be honest. You are actively punished for it. In fact, you are almost guaranteed to suffer for it.

That is so fucked up. I'm sorry to go on a bit of a random ramble rant but it's so fucking gut wrenching to see younger people lose that element of themselves. You can't express your passion without being told you're 'crashing out' or 'cringe'. You have to live in this neutral state of fear of perception, and god forbid anybody step outside of it!

You're told you should only consume and succumb and be ironic and emotionless and cool.

Listen, if you're following me and you're like.... 25 or under, let's say. Please. I beg of you. Do not fall for this rhetoric. Please, for the love of all things, feel. Feel and create and be honest with yourself. Indulge in things that make you happy. Be sincere. Wear your heart on your sleeve. Do not let this hyper-capitalistic, hyper-consumerist, self-centred, individualist culture take that from you.

and in the one hand, did i enjoy spending hours researching housing regulations in my state? not especially. drafting this email was stressful. but on the other hand, did i learn a lot by doing that research? yeah, i did. i’m more prepared for my current and future leases. i used some of that info to make decisions about a new renter’s insurance policy. i already told three different people about things i learned that are relevant to their leases that they didn’t know yet. (pro tip: see if you’re supposed to be getting annual interest payments on your security deposit! also look up what specific appliances your landlords must legally provide as of 2026.) i also got to reconnect with my cousin for a bit because her job gave her specific insight on part of the situation, and i’d much rather do that than have a chatbot make shit up for me.

also, i drafted that email with the power of friendship (friends angry on our behalf) and spite (from landlords telling me not to do my research). chatgpt could never.

Cradled By Nature (Senshi)

-Don’t use “buy now pay later.” The fine print isn’t what it seems.

-The fine print on medical financing, store credit cards, and contactless payment is also not what it seems.

-Payday loans are still predatory, even when offered by your employer

-Rewards programs are an income stream for the companies that run them. The points systems are manipulated so that the house always wins. They depend on people leaving money in rewards accounts and not in interest-bearing traditional bank accounts.

-Electronic payment apps like VenMo are not banks. You don’t earn interest. Your money is not protected.

-Your financial information is not private if your money is not kept in a regulated bank.

-None of this is regulated by the FDIC. Your money is not protected if it is held by a non-bank doing banking business. Our economy is not protected from the collapse of financial institutions that are not banks.

 A third of younger Americans hold their savings on nonbank tech platforms like Venmo

PEOPLE! DO NOT LEAVE YOUR MONEY IN VENMO OR APPLE PAY OR ANY OF THIS SHIT. FOR THE LOVE OF GOD GO FIND A REAL BANK OR A CREDIT UNION.

If Venmo were to close tomorrow all your money would vanish. There's no insurance or guarantee on any of these things. I know banks aren't great but legit banks will have the "FDIC insured" logo on their doors and websites, which means if my bank goes under tomorrow I still get my money back. Also I guarantee you there is a credit union somewhere in your town, go find it.

your funds are insured up to $250,000 by the FDIC in the event Green Dot Bank fails

In the event Green Dot Bank fails. Meaning the only time your money is protected is if Green Dot goes under. Not if Apple goes under (unlikely, granted). Or if Apple changes its terms (entirely possible). Or if you got scammed. Or if Apple freezes your account because they think you're the one scamming. Or any of the other countless mishaps your money could suffer. Green Dot is insured, but Apple Cash is not.

This is the disclaimer (highlighted) you see before you set up Apple Cash:

For the love of god get an account at a federally insured institution. Look for FDIC (banks) or NCUA (credit unions) insured and regulated financial institution. They are legally required to have this status publicly available and accessible so it's not hard to find.

The FDIC and/or NCUA will insure your accounts up to $250,000 PER AUTHORIZED SIGNER and per account type. These are factors to max your coverage to even higher than $250k but the key point is that if something happens to your bank or accounts there, that first $250k of your money is secured anyway.

Banks are for profit. Credit Unions are exactly what it sounds like: unions. They are not for profit and member owned.

Bigger institutions have more money and resources at their disposal; they have the fancier apps, 24/7 phone banking and more locations. But watch out! They are no different than any other large corporation you've heard of when it comes to ethics. Smaller institutions have more limitations, and lesser size is not an indicator of morality, but it's something to consider when choosing where to keep your money.

These institutions, regardless of what kind you choose, will offer interest bearing accounts. Money Market Savings and Time Accounts (also called Certificates of Deposit,) are popular choices to put the money you already have to work for you. You can earn money just for having your money in an interest bearing account type.

All financial institutions charge fees of one sort or another. They are offering products and services, after all. Nothing is free! They will also disclose options to avoid paying those fees, usually based around meeting specific criteria such as minimum balances or direct deposits.