Everything and the Kitchen Sink

-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.

Pt 2 for @ixtaek 's LU March Madness 2026: "Incorrect Ancestor"

So... Family reunion??? XD If you're just popping by this might not make sense, haha; check out the first part! It's based on a theory that Time is unknowingly his Zelda's brother (and therefore related to Sky!) But if you think about it, that could be taken much farther... Four probably has almost as much family in the royal line as Sky! >u<

Part 1 of this comic is Here!

This is my takeaway: Abel was Caine's projection.

Caine used Abel to voice all of his concerns and insecurities. Abel brought up Caine being just as trapped as all the humans. He used Abel to see if anyone would care if he got left behind.

Abel had Jax spend time with Caine and ask him about his hobbies because no human has ever done that for Caine. He was desperate for someone to talk to. He's lonely.

Abel talked about watching the humans from afar, wanting to join them. Caine's been doing that for years.

Everything Abel said was a reflection of how Caine felt and what he wanted. He feels like a prisoner in his own world. He wants to join the humans and be happy with them. He just wants someone to care about him.

saw this on Insta and the idea that people who are anti-AI are just using it anyway like... willing to give it up? I ACTIVELY AVOID THAT SHIT BUD! WHAT ARE YOU EVEN TALKING ABOUT?

ALSO

Are all the babies about the same age, or are there still some age differentials even when they're de-aged? And if it's the latter, who is the oldest, who is the youngest?

Do the babies remember their adventures and why they're here, or do they think they just popped into this random forest with this random man+7 other kids and start crying for their parents/guardians?

Is Wind frantically trying to get back home "because Aryll will miss me!!"? Does he try to aggressively big brother everyone else even if they might look older than him?

Does Wild suddenly start chatting happily about his mom/dad/younger sister, information nobody realized he remembered, and Warriors is like

when he realizes the implications?

Who is the tattletale/suck up in this group of chaotic gremlins?

What are the new dynamics of the group once 8/9 Links are much more immature/on a leveler playing field? Does someone rise to the top as a natural leader? Does the group split into cliques or do they all get along equally? Are there any loners? Do some of the boys look at one of the other ones and decide they are now mortal enemies for whatever reason?

Who is Warriors' favorite child? He has one, I'm sure, even if he's legally obligated to keep it to himself. (It's Wind, isn't it.)

Well, I wasn't sure, but I guess we're making the papa Warriors AU (not a final name... or is it)

Heeeere we GO

I thought that making them different ages would be the most fun, and I kinda went random with them, although Wind still ended up the youngest. I want him to be a toddler to really mess with Warriors hehe (but didn't want to make all of them toddlers to give him a chance to survive). So, in my head it's roughly like this for now: Wind is 1-2; Wild, Hyrule and Legend are 6-7; Sky, Four and Time are 8-9; and Twilight is 11 (Wars gotta get at least some help!)

I really like what Nevermatch did in THE FIC EVER, where they know who Warriors and the rest are, but don't realize that they are adults turned into kids. However, since my goal is to torture the Captain, making all of their minds reverse to their physical ages sounds the most appealing >:) And it also makes me think of how their interactions would change if they didn't know each other and haven't gone through all of the horrors (only some). So yeah, I guess some of them would remember the adventures they already went through by this age (Four, Time, Hyrule, MAYBE Legend but I'm not sure, I think he was older in his first adventure). I did give Four his colorful tunic without thinking much tbh, now that it's turning into a whole Thing I might change it to plain green one from MC. Or not. Imagine if he casually picks up his sword and splits, and THAT'S how Warriors finds out that he can do that. AND YES, despite some of them already being seasoned travelers, I do think that they would get confused and overwhelmed, and would probably call for their guardians

I guess I have to say no here, since Wind is a toddler. I really like this though, I might change my mind.

YES, OMG, I THOUGHT ABOUT THAT!! I was thinking about a scenario where Warriors is really struggling trying to calm down baby Wind, Wild does something that actually helps and then goes "Oh yeah, my mama does this for my little sister" and now it's Warriors who's having a meltdown.

I gotta say Twilight lol, but he's got good intentions! He's just a very responsible and social one, and he's genuinely worried for everyone. Legend would definitely call him a snitch though, maybe Four too depending on a situation (especially with him now having a partner in crime).

You probably guessed it, but Four and Time are best friends, they're just all I can think about, my precious babies... While they both would be a little guarded in the beginning, as soon as Four finds out that they have something in common/just finds out something interesting about Time, HOOOOO BOY, he's never gonna stop talking. Time feels very safe and comfortable around Four, seeing him being a hero but not being afraid/ashamed of being emotional and childish when he wants to. Wild and Rulie are also good buddies, always sneaking out into the forest together, with Legend joining because "they're gonna get themselves killed". I feel like Sky would keep to himself, but he likes it that way! Wind is always with the Captain (Wars is TERRIFIED of letting him out of sight), but is very curious about the shenanigans of the rest. Twilight watches everyone when Wars can't, but I think, much like in the main story, he would get along with Sky the best

“Critics who treat 'adult' as a term of approval, instead of as a merely descriptive term, cannot be adult themselves. To be concerned about being grown up, to admire the grown up because it is grown up, to blush at the suspicion of being childish; these things are the marks of childhood and adolescence. And in childhood and adolescence they are, in moderation, healthy symptoms. Young things ought to want to grow. But to carry on into middle life or even into early manhood this concern about being adult is a mark of really arrested development. When I was ten, I read fairy tales in secret and would have been ashamed if I had been found doing so. Now that I am fifty I read them openly. When I became a man I put away childish things, including the fear of childishness and the desire to be very grown up.”

But Papa Warriors also works. XD onto the numbered bullet points:

Now, the ages are definitely something that I am still thinking about, the only things I have 100% decided are that Four and Time are roughly the same age and they've already finished their first adventures, and Twilight is the oldest kid. I think I wanted to make Wind a toddler just because he's in his early teen years, and drawing him only a little younger wouldn't be as fun, as he wouldn't be as different proportionally as the rest (plus the image of Warriors fussing over the cute little baby Wind has me on the verge of tears). BUT! I do think that making him older and one of the big brothers is interesting, especially if that would mean making him a whole different kind of big brother than Twilight lol. And baby Hyrule... BABY HYRULE..... With an older Legend... Okay, I have a new thing to doodle

I'm bsing my way through it and deaging them a little more for the sake of drawing cute kids with big cheeks and a bit of trauma x) It's actually unclear how old most of them are, especially in 2d games. Like I recently found out that Link in ALTTP aka Legend was apparently 16?? I can't find any confirmation on that, but I saw this age for him a few times already. I always assumed that MC Link/Four was 12, but could be as young as 9, and I have a similar logic with Hyrule. As for the older boys, afaik Sky is 17 AND A HALF(!) according to hyrule historia, Twilight is 17, and Warriors... is a mystery, but I saw some people say 17-20, feels right. I did think about leaving them in their normal outfits, but wanted to play with them a little. Imagine if they weren't scaled down though?? Like they got deaged, Warriors looks over everyone in their oversized tunics and sees just one suit of armor standing seemingly by itself... until he hears banging from the inside 😭😭

I definitely get your logic for both versions of Wind! Either would work. But, since I'm on my Baby Hyrule agenda...

2. Haha, very fair! You're just doing this for fun, no reason to overthink things. I just tend to do that because it's fun for me. :p Oh boy, if their outfits weren't scaled down with the rest of them, Warriors would be in big, BIG trouble. XD He's got a whole bunch of public indecency cases on his hands the second they go to a town. Also someone might call CPS on him if he can't keep his kids fed and clothed properly. :p

They're a long way from home...