As a longtime Adam the Woo viewer, I wanted to give my thoughts on Adam and his channels. I first stumbled onto ATW circa 2011 or 2012 when I came upon his main channel, the Adam the Woo channel, and was surprised to find someone else out there with an appreciation for filming locations and abandoned places. Mind you, at the time almost nobody else was doing this type of content, namely the filming locations. Adam was a sort of pioneer in this sense. And that theme song was pretty damn catchy. His content was even somewhat edgy at that time. His exploration of the abandoned Nickelodeon Studios STILL (permanently) has him banned from the Universal Orlando properties (it’s probably going to sting when Epic Universe opens next year). I was a somewhat early subscriber to his “second channel, daily vlog channel ‘The DailyWoo’” during the early 5-year daily unedited vlog days. I watched as he took the risk of leaving his job and living out of a van to pursue his passion. While he was untethered from the constraints of life (companionship, children, dependents), it was still a reasonable risk and took a degree of courage nonetheless. I was a viewer for the long-forgotten, short-lived Madame the Woo relationship. I dug his early days in Southern California and some of his collaborations with Jordan the Lion (who also was making exponentially more interesting content at that time than he is now). During that approximately 6-year span of time I found his content interesting and even somewhat inspiring once he started to make money on the platform (once his risk began paying off). In recent years I’ve noticed a marked drop-off in quality and effort. And his main channel (which, I feel, should’ve remained his bread and butter) is all but forgotten, with only the once every year or two upload. That is where his effort and skill was truly on display with reasonably good editing, not the DailyWoo iMovie editing baloney, and engaging content. These days I pick and choose what to watch and opt to skip probably 70% of his content. I think his use of Disney as a content crutch is growing old and lazy and much of his content has a sold-out feel to it. Any “edginess” is long in the rearview mirror. While I appreciate his recently expressed desires to bring his vlogging days to a close and develop a sort of exit strategy for YouTube, I’m not sure how realistic it is. Additionally, this “fit by 50” business in a novel concept when you ponder it over some In-n-Out, but in execution it’s a totally different beast, particularly this notion that he’s going to complete a half-marathon when he has never taken any type of fitness seriously and has shown no type of discipline when it comes to diet and exercise. His wellness endeavors are naïve, laughable, flawed, and unrealistic. I give him credit for making better decisions to aid in him dropping some pounds, but that only goes so far. I give him the benefit of the doubt and believe he will remain true to his word (he made it so damn public after all he would have a lot of face to lose if he backs out) and he’ll partake in the half-marathon, but I believe it will humble him and ground him in some degree of reality.
Could Adam have done more in life? It’s difficult to say. Prior to his full-time YouTube endeavors he was working menial minimum wage jobs (all of the retail work and “slinging feed” he refers to on his walk-and-talk reflections). He strikes me as having a very analytical mind (clearly an overthinker), but he strikes me as being maybe of average intelligence. I believe he is learning the bulk of his “adulting” rather late in life. By the way, it’s astonishing that with his years of travel he is just now discovering the points and miles game. He is indeed a man-child, but so many of us are in some respect. At the end of the day, he is doing what he loves and is getting paid [well] for it. As of right now, it seems he has won the game.
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The greatest financial risk for physicians is losing the ability to turn the knowledge and skills you spent a decade learning into a huge pile of money by working in your profession for decades. There are risks that could show up in your life that would prevent you from being able to accomplish this task. One of the most common of these risks is an extended or even permanent disability. Insurance companies estimate that as many as one in seven doctors will be disabled at some point during their career. While many imagine this will occur in a sudden traumatic accident, medical illness is actually a more common cause of disability that prevents a doctor from working. Physician disability is a complicated type of insurance. This post will give you the “must-know” information to secure the best protection and help you avoid common disability insurance mistakes.

TL;DR: Key Takeaways: What Doctors Need to Know About Disability Insurance

1. The best Disability Insurance policy is an individual, portable, own-occupation, specialty-specific policy.
2. Purchase disability insurance from an independent agent who can show you policies from all of the major companies. We have a list of recommended Disability Insurance agents used by thousands of white coat investors each year.
3. Buy as much disability insurance as they are willing to sell you as a resident. Include a future purchase option (sometimes called a “benefit purchase rider” or “future increase option”) and a cost of living disability insurance rider.
4. As an attending, increase your coverage to cover both your living expenses and retirement savings if you were to work to age 65.
5. You may get sticker shock, but the reason disability insurance is expensive is that it actually gets used. Slightly more than 1 out of 4 adults will experience a disability before they retire. Physician disability insurance agents often use a figure of 1 out of 7 doctors actually using the disability insurance they purchase. Whatever the true statistic may be, it's certainly high enough to insure against.

Do not take the risk of not having disability insurance.

What Is Disability Insurance?

Disability insurance gives you an income to live on if you become so disabled that you can no longer work.
If you become disabled, a long-term disability insurance policy pays a predetermined amount each month until you either recover from your disability or reach age 65-67. (Note: Policies vary. It is possible to buy a policy that pays to age 70 or even, for a very high premium, until death).

Why Do Physicians Need Disability Insurance?

One out of seven doctors end up having to use their disability insurance. Losing the ability to turn the knowledge and skills you spent a decade learning into a pile of money by working in your profession for decades is one of the most expensive risks that physicians face. Your most valuable asset is your ability to work.

How Does Disability Insurance Work?

Disability insurance is a pretty straightforward proposition. You buy a policy and pay your premium monthly or annually. If you become disabled, you (and your doctor) fill out the paperwork to prove it to the satisfaction of the insurance company and then they pay you the promised monthly benefit until you either recover from your disability or the insurance company meets its contractual obligation to pay the benefit.

Short-Term vs. Long-Term Disability

Disability insurance is most commonly divided into short-term and long-term.

Short-Term Disability

A short-term disability policy generally begins paying just as soon as you get disabled and then pays for a maximum period of 3-24 months. These policies are often provided by an employer as an employee benefit. Short-term disability, while inconvenient financially, is not generally a financial catastrophe for a physician saving for retirement with an emergency fund. As a result, many doctors do not buy short-term disability policies at all.

Long-Term Disability

A long-term disability policy generally does not pay immediately, but only begins to pay after a waiting period ranging from 1-24 months (typically 3 months). Then, the policy will continue to pay you a benefit each month until age 65, 67, or 70, depending on the policy. Note that a 3 month waiting period typically means your first check won't come until the end of the first month after the 3 months, so it's really a 4 month waiting period. Since losing your ability to earn a living for the rest of your life is a financial catastrophe, any doctor who is not financially independent should buy a long-term disability insurance policy.

What Does Disability Insurance Cover?

Disability insurance covers all kinds of disabilities. The best (and unfortunately most expensive) policies cover the widest range of potential disabilities.

The Definition of Disability

The most important feature is the definition of disability. Disability insurance differs from life insurance in numerous ways, but none is more significant than in defining exactly when you become disabled (and when you become enabled again). The broader the definition of disability you get in your policy, the more the policy will cost.
Unlike life insurance, where life and death are pretty black and white, disability has 50 shades of gray. You want a policy with a strong, broad definition of disability that will cover any possible type of disability? That means “true own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others. Even among the “Big 5,” there are slight differences. It is OK not to purchase the policy with the very best definition of disability, but the weaker the definition, the bigger the discount you should expect.

Own-Occupation, Specialty-Specific

Probably the most important aspect of the definition for doctors is that it be specific to your occupation. For instance, if I lost my left thumb, there are a number of procedures in emergency medicine that I could no longer do. I would be completely disabled from managing a busy emergency department by myself. But I could probably still go do urgent care work. A specialty-specific definition of disability in my policy would provide me with my full disability payments in addition to the money I make at the urgent care. Sometimes, the “specialty-specific” clause is inherent to the policy, and at other times it is an additional rider (a piece of paper added to the policy for which you pay an additional premium). Either way, you almost surely want to get this in your policy. Here are the various definitions, starting with own occupation and progressing to any occupation.

Own-Occupation Definition

Under this definition, your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field and make as much money as you want.
Own-occupation policies cover people based on the occupational duties they are performing at the time of claim. If your policy includes an own-occupation definition of total disability and you are exclusively performing the customary duties of your medical specialty or sub-specialty at the time of the claim, the policy will cover you when unable to perform your specialty or sub-specialty. If you have transitioned into a different role or expanded into a new career path that requires much less direct patient contact or procedural duties, you may no longer be considered totally disabled when unable to work in your specialty or sub-specialty. This is because your “occupation(s)” involves additional material and substantial duties, no longer limited to the performance of your medical specialty or sub-specialty. In these instances, you may be considered partially disabled or not disabled at all, depending on the exact circumstances.

Transitional Own-Occupation

Your policy will pay if you cannot work in your occupation/specialty, even if you can and do work in another field. But if you exceed your previous income while you now work in another field, your monthly benefit from the policy would likely be lowered.

Modified Own-Occupation

Your policy will only pay if you can't work in your occupation/specialty AND if you are not working in another field. This definition is also sometimes called “Own-Occupation, Not Engaged” or “Own-Occupation, Not Working.”

Any-Occupation

Your policy will only pay if you cannot work in any occupation based on education, training or experience. Note that some policies are own-occupation for a couple of years and then transition to any-occupation.
One company out there (Northwestern Mutual) sells a policy with a definition that they claim is BETTER than own-occupation. They call it Medical Own-Occupation, but in reality, it is just a form of modified own-occupation. Learn more about the NML Medical Own-Occupation Definition.

Do You Really Need an Own-Occupation, Specialty-Specific Policy?

Some non-procedural physicians argue that they might not need a true own-occupation policy. They reason that if they are so disabled that they cannot practice their specialty, they probably cannot do anything else. So, they accept a less broad definition of disability to save some dollars on the premium. If you choose to do this, make sure you understand the exact circumstances under which your policy will and will not pay out.

Mental Disorders/Substance Abuse

Many policies will only cover mental illness or substance abuse-related disabilities for a period of two years. I know an attorney who couldn't practice law after developing bipolar syndrome in his 30s. It took over a decade to get it under control. He had a policy that covered mental illness indefinitely, which prevented financial catastrophe from striking him and his family.
According to the April 2011 issue of Current Psychiatry Magazine, physicians are not immune to depression and have an increased risk of suicide. Additionally, the lack of distinction between a psychiatric diagnosis and impairment stigmatizes physicians and impedes treatment.
You'll need to decide whether this is a risk you're willing to run. If you want mental illness covered like every other illness, you'll be paying more.

Presumptive Total Disability

As you well know, disability can be defined in many shades of gray. In the event of your disability, you can expect a paperwork fight between you, your physician, the disability insurance company, and maybe even your attorney. However, most policies contain a section that defines “presumptive total disability” where you can be assured there won't be much arguing from the insurance company. Even better, the waiting period will be waived and you'll start getting payments right away.
Anything short of that, and you're going to have to get your doctor to certify your disability and get the insurance company to accept it. At times, this can involve visits to multiple specialists and even hiring an attorney. Note that with some companies, presumptive disability does not need to be permanent.

Cosmetic Surgery/Transplant Surgery

Some policies will cover you if your disability is the result of cosmetic surgery or the result of donating a kidney or other body part to someone else. Others will not. Best to read your policy carefully and know what it does and does not cover.

Disability Insurance Exclusions & Limitations

Disability insurance policies generally exclude any medical conditions you have at the time of applying for insurance. For example, if you already have chronic back pain, the policy will not provide a benefit if you are disabled due to a back condition. In addition, if you admit to participating in dangerous activities such as scuba diving, rock climbing, flying, and sky-diving, the policy will likely be issued with a rider that excludes those activities from coverage. Other exclusions may also apply, such as acts of war, normal pregnancy, and foreign travel. Here is a list of common exclusions:

• War or Act of War (this could probably be interpreted pretty broadly)
• Active Military Duty (having served, this is pretty stupid since 95%+ of our military folks are never in any kind of serious danger of being hurt by a combatant)
• Normal Pregnancy (don't want to work because you're eight months pregnant? Don't bother trying to get disability benefits for that)
• Foreign Travel (varies by policy, but many don't cover you during that European vacation, much less that humanitarian trip to Sudan—read the fine print)
• Mental/Nervous Disorder (many companies limit benefits to two years, where they might pay for “physical” disorders until you're 65 years old)
• Medical Exclusions (any medical conditions you have at the time the policy is issued will likely be excluded, meaning if you have heart disease at the time of issuance and it leads to you being disabled five years later, the policy isn't going to pay. Again, apply when you are young and healthy and/or when you haven't had medical problems for several years to minimize this.)

Residual Disability

Residual disability refers to being only partially disabled. This may occur from the initial injury or illness or be part of the process of recovery. You generally need to buy an additional rider to cover this. Read this rider carefully, it can be a bit complicated.
Imagine developing painful lumbar radiculopathy that keeps you from working more than 20 hours a week. This is the part of your policy that will cover that. This rider will also explain how much you get if you are partially disabled. My old policy says it pays the whole benefit (total disability) if I can't earn at least 20% of my “indexed prior monthly earnings,” which is basically the money I earn at my job. It doesn't count my investments, other disability income policies, rent from a rental property, or my nonvocational activities. It doesn't pay anything if my earnings aren't reduced at least 20%. If I am making between 20%-80% of what I made previously, I get the total disability benefit times the ratio of my loss of income for that month divided by my indexed prior monthly earnings. Note that with some companies, the partial disability rider will kick in at 15%.
Some contracts use “or” in the contract and others use “and” in the contracxt. For instance, a stronger policy would trigger the partial disability rider if you had a loss of income or a loss of time or a loss of duty whereas a weaker contract would require loss of income and loss of time and loss of duty where all of those triggers must be met.

Partial Disability vs. Residual Disability

Partial disability and residual disability are generally considered to be the same thing, but there is a technical difference at some companies. For example, at one company, a partial disability rider requires total disability during the elimination period and the residual disability rider does not. With another company, partial refers to the disability, such as one that only affects one part of the body (such as one arm), while residual refers to a decrease in earnings. Either way, the key is to understand how the residual/partial rider works in the policy you actually purchase.

Recovery Benefits

A physician should consider a contract that will continuing paying them a portion of their benefits upon recovery from a disability if their income continues to be down at least 15%-20%. Most carriers will pay a recovery benefit for the benefit period although one only pays for 12 months. This is especially important for practice owners. Think if a dentist were to be disabled for 6 months and then recovers and goes back to their practice. Many of their patients may have gone elsewhere because the dentist sees his patients twice a year. It could take several years to get back to where he/she was at before becoming disabled.

Recommendations for Physicians on Disability Insurance Riders

Here's an easy cheat card to help you know at a glance what we think about all of the various riders available.
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Who Needs Disability Insurance?

Nearly every high-income professional in their first decade or two out of school should own a policy. Your most valuable asset is your ability to work. So, if you do not own a disability insurance policy, you need to go get one, now. If you have an income, it's time to buy a policy, even if money is tight as a resident. The only exception is if you do not rely on your income to live. If you are already financially independent, it's OK not to buy disability insurance. However, even if you are frugal and married to another high earner, you may wish to still have a policy. You could both become disabled, or you could become divorced.

How Much Physician Disability Insurance Do I Need?

As a resident, you typically cannot afford to buy as much as you need, but you should be able to do so even as a brand-new attending. Basically, you need to buy enough disability insurance to cover both your living expenses and your retirement savings if you were to work to age 65 but not your taxes. Physician disability insurance payouts are generally tax-free since they are usually paid with post-tax dollars.
Note that how much you need has little to do with your income and everything to do with what you spend. The less you spend, the less insurance you need to buy. Insurance agents would love to sell you the largest possible policy (which usually works out to be about 2/3 of your gross income, but it is possible to combine two companies to get even more), so you'll need to decide how much you need on your own. Resident physicians typically buy a $5,000 per month benefit and attending physicians typically buy a benefit in the $10,000-$15,000 per month range, but there are plenty of docs who buy both more and less. If your plan in the event of disability is to rely on the income of your spouse, you may not need disability insurance at all.

Average Cost of Disability Insurance for Physicians

Unlike cheaper insurance policies like term life and umbrella policies, physician disability insurance is expensive, although not quite as expensive as your malpractice insurance. The reason it costs so much is it actually gets used. The likelihood of you acquiring a long-term disability during your working years is approximately seven times as high as your risk of dying in those years. A typical policy bought on a healthy doc in their 20s or 30s will cost something between 2%-6% of the benefit. If your monthly benefit is $10,000, expect to spend $200-$600 per month for that. Perhaps the sticker shock you get upon being quoted prices will motivate you to reach financial independence as soon as possible so you can cancel the policy.

Graded vs. Level Premiums

One way to save money on your policy is to get graded premiums. Not all policies offer this feature, but those that do will charge you less in the first few years and more in later years. Level premium policies charge you the same amount in premium every year. A graded premium policy accounts for the fact that you become more likely to become disabled as you go through life. However, it can be very beneficial to you because your need for insurance actually falls continually throughout your career as your build your retirement nest egg.
Once you become financially independent, you can drop the insurance completely. This is a good idea since the total benefits a policy could potentially pay are also dropping throughout your life (since the policy will generally only pay until you are in your mid- to late-60s). Many white coat investors who are great savers hit financial independence by mid-career. If you are one of those, you are likely to come out ahead using graded premiums instead of level premiums.

What Disability Insurance Discounts Are Available for Doctors?

Like other types of insurance, disability insurance is sold by agents who are paid commissions by the insurance companies to sell their products. It is a very competitive business. The insurance companies want agents, especially the independent agents you should be buying from, to preferentially sell their products. To incentivize the agents, they offer discounts that are only available through certain agents. Experienced, high-volume agents can often provide you with the same policy at a cheaper rate than a newer, lower-volume agent. Thus, it pays to use an experienced agent and shop around with two or three of them. Nearly every doctor should qualify for some type of discount on their policy—10%-30% premium discounts are not unusual. Types of discounts include:

• Unisex discounts
• Student/Resident/Fellow discounts
• Multi-life institution discounts
• Guaranteed Standard Issue (GSI) institution discounts
• Association discounts

Learn more about physician disability insurance discounts.

How Do I Buy Disability Insurance?

The key to physician disability insurance is the independent agent. The agent is going to be paid a great commission by the insurance company no matter which policy you choose. Assuming policies with similar benefits, the commission isn't going to be all that different. Plus, these agents get plenty of business and none of them are starving, so they have little incentive to sell you an inferior policy for a slightly higher commission. Their reputation is worth far more than a few extra dollars in commission. Since you are (indirectly) paying the agent a very nice commission, don't feel bad about using their time and expertise to fully understand this complicated product.
For most doctors, this is a purchase that is only done once or twice in their life. Have the agent quote you different physician disability policies from each of the “Big 5” companies and show you the strengths and weaknesses of each. If you have a policy from work or your professional association, bring it in with you and have it included in the comparison. Then, you can know you made an educated decision and you can buy it and forget about it. Also, be sure to ask for a discount. The vast majority of doctors will qualify for a 5%-30% association or employer-related discount, and a top-notch agent will help you get that.

What Type of Disability Insurance Should I Buy?

There are two main types of disability policies: individual policies and group policies. As a general rule, individual policies have stronger definitions of disability. Many group policies are not own-occupation policies. Individual policies are also portable, in that you can change jobs and take them with you.

Individual Disability Policy

There are a number of benefits of an individual policy. The main one is that you are in control of all the details. You get to choose how much insurance you want to pay for. You get to choose which of the bells and whistles you are going to pay for. The policy is also “portable,” meaning you still have it if you change employers (or if your employer just decides to change the policy). As a general rule, the policy is also “stronger,” meaning it is more likely to actually pay you if you get disabled.

Group Disability Policy

A group policy provided by your employer is usually not portable, although sometimes you are allowed to take over the entire premium and take it with you. Group policies also frequently have premiums that increase every year or every five years, whereas an individual policy usually has level premiums. Group policies paid for by your employer may also pay a taxable benefit, rather than the tax-free benefit provided by an individual policy. Aside from the lower cost, the main benefit of a group policy is that it may be easier to qualify for. It may not require any sort of medical exam or blood work, and it may not ask any pesky questions about your medical conditions and dangerous hobbies such as rock climbing, skydiving, scuba diving, or flying.

How to Compare Disability Insurance Policies

The most important feature is the definition of disability. You want a policy with a strong, broad definition of disability that will cover any possible type of disability. That usually means “own-occupation, specialty-specific” and no limitations on things such as psychiatric conditions or addictions. This is the main difference between the “Big 5” companies and others.
Since disability is complicated, disability insurance policies are complicated. There are dozens of differences from one policy to another, making them difficult to compare. Use your independent agent for recommendations on what matters most. Just for an example, take a look at this chart of all the differences you could see between one policy and another.

When to Buy Disability Insurance?

You should buy disability insurance just before you become disabled. Since you don't know when that time could be, earlier is generally better. However, disability insurance is also expensive, and when you are young and poor, you have lots of other great uses for your money. A good compromise is to buy a small policy as you enter residency and then upgrade to a more robust disability insurance plan just before leaving residency. The younger you are, the healthier you are, and the fewer dangerous hobbies you engage in, the cheaper your premiums will be for the same benefit.

Best Disability Insurance for Physicians

I keep a list of those I consider the best disability insurance agents in the country. Save yourself the work of finding a good one you can trust and use the same agents that have been used by thousands of WCI readers in the past. You do not need someone local that you can sit down across the table from. It is better to have someone who has sold policies to hundreds of docs this year working with you by phone, Skype, Zoom, and email than someone you can sit down with who has only sold four policies. In addition, if there is some issue with one of these agents, I can usually help you resolve it quickly.
Information in this space rapidly changes. While we try to keep The White Coat Investor website as up-to-date as possible, our recommended agents are going to be our best source for updated information. I cannot emphasize how strongly I suggest you use them, whether buying your first policy or simply reviewing what you already have.

Chapter 21.2:【Tales of Fire and Ice】
The Arena
Tsukuyomi gripped his sword firmly in hand. He looked forward at his foe, allowing the audience he knew was watching, the words he knew they were saying, the arena itself, to all simply fade away into the darkness. Right now, to him, the only things shining in the night were he and his foe. Nothing else mattered, not even the past and future. He gave himself a quiet, bitter, yet lighthearted laugh, and shook his head with a slight smile. The scabbard had cracked. And yet, once the shock had worn off, it now seemed so incredibly trivial.
“...What have I been doing? I can’t believe I paralyzed myself for so long. Even after I met Mother, even after that day, I was just making excuses to be a coward. To never truly fight. But they all…wanted me to just do my best, didn’t they? They wanted me to fight just like that woman does. If so…”
He had fallen countless times. Won many victories. But before today, how many of those battles had he really given his everything to? He regretted every single one of them in hindsight. But now, the god of the moon brandished his sword with a determined light in his eyes.
“...Then that’s the only expectation I need to fulfill!”
He looked Zetian right in the eyes as he replied to her. His voice was as unwavering as his blade.
“Indeed. My father taught me so much. So did my mother. They are truly incredible. I’ve been…such a fool for not listening to them until now.”
Wu stood before him in silence. A blank look distorted her face for a second, as a sense of regretful jealousy almost took over, before the strength of her glare and stance returned twice as strong. Her presence was now like that of a ferocious dragon.
“Hah…how very lucky you are. To have someone at your side to raise you up like that. You’ll never understand what it means to fight truly alone.”
“W-W-W-WAIT A SECOND!” The distressed voice of Mammon pierced the ears of the fighters. “You should not be able to return to sanity! It's not possi-” “SHUT UP! No one has the right to decide what I can and can’t do, you hear me!?” The Empress barked out a command for all to hear, a symphony of the rage and frustration she obtained throughout her life.
Luoyang, Henan Province
It was nothing new, really.
Spears and swords surrounded her on all ends. Eyes that threatened to burn right through her soul- hollower than usual, but intending to kill nonetheless. The roaring and desperate sounds of battle raging around her. Once again, a blade was pointed at her rise to the throne, and once again, Zetian would fight with all she had to defend it.
Even against her own men.
The devilish talismans around the soldiers’ necks glowed with an eerie purple light, illuminating the bloody Luoyang streets below them. Zetian had ordered them locked away upon their discovery, but clearly, at least one of her ministers was less than trustworthy. A shame. Pushing all thoughts of future executions to the side, she looked upon her gathered allies turned foes, already braced for lethal combat. Her eyes narrowed as their leader stepped forward: a nobleman clad not in his usual fine robes, but regal battle armor, clearly prepared for this very day. A more ornate talisman that surged with dark power hung from his neck. Li Zhen, the Prefect of Yu, regarded Zetian with the same sneering smirk he had always worn around her.
The brother of the late Gaozong, and a young prodigy of the Li Clan, Zhen had opposed her from the beginning, almost obsessively so. As if being in her presence and seeing her rise was a reality he could simply reject. Even as the other clans and officials of China fell before her, acknowledging what she had become, Zhen and the Li Clan remained stalwart in their defiance. To Zetian, their eyes burned more than anyone else’s- Zhen’s insults, beatings, and even the cold silence he regarded her with were seared into her mind. It was almost preordained in the heavens that he would be her final obstacle.
“My greetings, Empress Dowager! I must offer my humblest apologies! After all, it’s a shame you’d be struck down like this, when you’re so close to the finish line.” Zhen laughed coldly. He drew his sword from his waist and stepped forth, before gesturing to the soldiers with pride as they all followed at his command. “You’ve slain so many of us Li without even batting an eye…but can you do the same to your own royal guard? That one’s been with you for thirty years, I believe, and that one twenty-five. Such loyal soldiers they are!” He laughed mockingly and patted the soldier next to him on the shoulder.
“...Of course I can.”
Zetian’s reply was clear and sharp, lacking the honeyed arrogance she had grown into over the years. Li Zhen raised an eyebrow. The burning in her eyes hadn’t even flickered a bit. He had wanted to snuff it out, but now, even making it waver seemed like a heavenly task.
“Then come try it, Wu Zetian! Show me what made a subhuman like you into an empress!” He laughed and stepped away, behind a wall of Zetian’s most loyal and powerful soldiers. Without warning, they all attacked at once.
She didn’t even hesitate.
In but a single minute, without a hint of mercy or pause, Wu Zetian slaughtered the elite guard she had cultivated with her own two hands. The deaths were swift and brutal. These loyal warriors, perhaps even companions, were now merely the same as the fallen Li soldiers that littered the streets. But perhaps that kind of death was a mercy in itself. The talismans leeched at the very soul to empower their victims, and agonizingly drove both mind and body to death- so Zetian killed them quickly. It was most efficient to end them before they could grow more powerful. Yes, that was why.
“...Well done!” Zhen remarked. The blood shed by Zetian had begun to pool at his feet. Awe was visible on his face, a horrified form of delight, as he slowly began to smile. It was an expression fit for the descent of a god. Zetian paused with an almost incredulous expression.
“It’s a bit too late for that, isn’t it, Li Zhen?”
“On the contrary…this is the moment I’ve been waiting for. Finally, you’ve bloomed into a flower that Gaozong would be proud of!” Zhen’s smile was now jolly, the sneer he had worn for decades all but gone. He spread his arms wide in a grand gesture and laughed. Zetian remained silent, almost daring him to speak further. The Prefect of Yu happily obliged.
“I knew from the very beginning that you had the drive to claw your way to the top. Those pitiful princes, ministers, prefects, and dukes…they languish in their role, blinded by the comfort of their titles. They lack the fire that a ruler needs, the cold blood of those born in hell. Only someone like you, who knows what it means to truly rise, could be worthy of the throne!”
“...And that’s why the Li Clan never gave me my due respect, eh?” Zetian cocked her head back. The ever-present flame in her eyes was almost cold.
Zhen nodded in glee. “But of course! If a woman were to rule at Gaozong’s side, or any of ours, we would accept only the finest. And you, dear Zetian, have become something beyond my wildest dreams.” He approached her as his grin turned manic. “A mind, body, and soul of finest steel…yes! That carnage just now proves it! You are the only one who can be my empress!”
“You expect me to join you?”
“The Li Clan remains mighty, despite your actions against us. We are your only true opposition. If we join hands, my empress, heaven and earth shall be ours to rule! So thank you, truly…for meeting my expectations.” Li Zhen’s eyes softened further now, his smile almost fatherly. Zetian had almost forgotten what such a smile looked like, even if Zhen’s was one with venom behind it. It was a warm venom. One she was nearly tempted to crave.
It was a pity she would have to destroy it too.
Zetian clenched her fists, steeling herself. And then she spoke. “My rise, my rule, what I’ve done then and today…not a single moment of it was for you, or anyone else. This power is mine and mine alone. For all your talk about the throne, Li Zhen…you’ve forgotten the most important thing of all.”
“Oh?”
“That there can only be one ruler.” She lunged directly at Zhen, just as coldly as she had done her own soldiers. As if his words had truly meant nothing to her.
Li Zhen had always been a prodigy. A genius of politics and war, of swordplay, and even of martial arts, which he had turned to out of sheer boredom. For his entire life, he had wanted nothing more than an equal. He prayed fervently that some twist of fate would place Zetian by his side. Not Gaozong’s or anyone else’s. A one-on-one fight with her was, truly, the culmination of that dream. But as Zetian parried, dodged, and blocked every single one of his blows, as if he were but a child with a stick, striking back over and over with force that shattered his armor and bones, the prodigy of the Li Clan realized that he had made a fatal mistake.
Wu Zetian was not his equal, and hadn’t been for a long time now. Perhaps she never even was. She had not simply met expectations- she had unquestionably surpassed them all.
BLACK TORTOISE’S SHELL
His strongest all-or-nothing strike didn’t move her an inch.
VERMILLION BIRD’S FLIGHT
Before he could even begin to follow up with a swing to her throat, she disappeared from sight. He turned around far too late. She was lunging for him.
DRAGON’S MIGHT
Zhen opened his mouth to choke out what he knew would be his final words. But faced with the wildfire burning in Zetian’s visage, with the bestial, almost hungering way she was now moving, what could he even say? It was only now that Li Zhen began to fathom what he had created.
WHITE TIGER’S CLAW
“Have we given rise to an empress, or a demon-”
Zetian’s whole body moved in a brutal downwards arc. The claw of a monster swept right through Zhen’s body, devastating it, tearing muscle and shattering bone, the armored, empowered prodigy little more than the weakest of peasants before its might. His life ended before he could even process his last, horrified thoughts.
Zhen’s corpse dropped to the floor in two. And next to it, with no one to see them in this secluded corner of Luoyang, as the battle began to die down, Wu Zetian simply looked upon her nemesis’ corpse, overcome by a hollow catharsis, the flame in her eyes now burning coldly. That last warm smile was something she had fought for decades to see, even if she herself had forgotten why. Yet it was unable to move her. Could she even move her own heart, at this point?
She had now slain Li Zhen with her own two hands. Her armies had already crushed many of the Li, and would end the rest of them soon. Zetian had conquered all possible opposition. But even as she stood atop a mountain of corpses and destroyed expectations, all those scornful eyes now looking towards her with reverence…she still felt that same empty, terrified hunger once the fearless rush of victory had passed. The hunger of a pitiful peasant girl destined for an unnamed and shallow grave. Even the throne wasn’t enough, nowhere near enough. She still wasn’t enough. She still had to prove herself more. Li Zhen and countless more had died, but their ghosts would gaze upon her forever.
The peak of the mountain was still a lonely place.
But even if it was lonely, it was safe for now. Neither blades or words, pointed towards her at all times, could even begin to reach her from where she stood. That was why Zetian had to keep climbing higher. All doubt and fear had to be banished. If she showed her constant hesitation, if any part of her was weak, then she’d fall in an instant, all the way back to the hell that lay below the earth. Back to the girl she used to be, and refused to admit she still was. To stay on the throne of heaven…Wu Zetian had to live as a devil.
Thus, Zetian remained standing. Not a single tear fell, and not a single tremor ran through her body. Whether it led to heaven or hell, she would continue walking the lonely path of an empress, paved with the corpses of friends and foes. She had no choice but to. Without hesitation, she ran to the raging battle ahead, not sparing a single moment of goodbye or prayer for her closest comrades. They had sacrificed themselves for a cold and ruthless empress, a ruler who would make China as strong as herself, and she intended to honor that.
Her country, her world, would never even begin to crumble. She would make sure of it. An empress never faltered, and an empress never relied on others. Even if the warmth- no, the absolute power she sought was impossibly distant, and fleeting in her grasp…she would chase it forever.
Even if she had to chase it all the way to the heavens.
The Arena
Zetian glared back at Tsukuyomi, her composure unshaken, but a burning, primal desire to conquer in her eyes. The moon god’s resolve remained unshaken. If anything, his face only softened with pity. But it seemed as if it was a battle to remain resolute, as if Zetian’s eyes were imposing her dominant will on the heavens themselves- it was as if Tsukuyomi was looking towards the peak of some unfathomable, treacherous mountain, and the dragon that reigned there as its ruler.
“The desperation of having nothing at all is what breeds the greatest hunger for power.” Solomon mused, a cool smile on his face. “And when one with such a craving actually reaches the heights that they seek, nothing in heaven and earth can stop them.”
“Wait, that makes no sense!” Legion interjected. “So she can control Demon Mind because…”
“Indeed. Wu Zetian has always been a human with the ‘greed’ of a demon. Perhaps even beyond one. That is her path as an iron empress, unchallenged by any in China. Only someone like her, one with an ‘ego’ that burns like an infernal flame, could ever harness Mammon to this extent…” His confident smile unwavering, Solomon turned his attention back to the arena.
“...You must have suffered greatl-” Tsukuyomi began.
“You shut up too, you patronizing asshole! As if I would care about the validation of those stuck up bastards, or even oh-so-almighty gods like you.” Tsukuyomi’s attempt at consolation was shut down by the ravings of Wu Zetian. Her words resonated with the moon god, the fiery glare she met him with shaking him to his core. She took a step forward and spread her arms, a grin and snarl simultaneously on her face as she continues.
“From the beginning, my throne has been mine and mine alone. I’ve fought, bled, and killed for no one except me, I clawed my way to the peak with my own two hands! And I’ll crush anything that wants to take that from me- I don’t care if it’s the heavens themselves! For I am…the Empress of China!”
A familiar figure in the audience smirked gleefully. “Wonderful! Show them the dragon’s fire that consumed all of China! Show them everything you are, my Empress!” Li Zhen roared out pridefully, the rest of the Li Clan with him. Their stands were surrounded by many of Zetian’s other fallen foes, watching intently. Li Jingye, Empress Wang, Sun Wanrong- regardless of their feelings, they all stood firm in their support, placing their faith in the one who had unquestionably crushed them all.
It didn’t matter what she had done to them, at least, not here and now. Zetian’s might was the single, immutable truth uniting them, a grand temple that had been built upon all their corpses. And they would uphold that embodiment of their China until the very end. As the Empress returned to her fearsome martial stance, firm as iron yet ready to rage like a flame, Tsukuyomi steeled himself and took a breath.
‘She does not have her demonic form activated…This is my chance! It’s now or never!’ He grasped his damaged haori in his hand and slung it towards Wu. The Empress was surprised with the newfound courage of Tsukuyomi, yet prepared herself all the same. It took only a single swipe of ‘Tiger Claw’ to shred the haori into pieces, but the brief distraction was enough for Tsukuyomi to reach her. His sword flashed through the air towards her leg, forcing the Empress to jump up with a feral glint in her eyes. He looked up, knowing just what to do next- but the brief moment of pause he gave before doing it was more than enough. Zetian lunged forth and swung, landing a palm strike to his ribs, and very nearly taking his head off with a turning kick, still grazing his cheek even as he ducked away. Tsukuyomi stepped back, grimacing but resolute as Zetian rushed at him once more.
“Don’t you dare hesitate like that again, boy!~”
“...You’re right! No more regrets!”
As he swung to intercept her, Zetian batted his blade down to the god’s side and closed in on the opening before Tsukuyomi. However, the young god steeled himself. It was just as he had planned- the creation of a second chance to execute that maneuver. Without hesitation, Tsukuyomi spat the blood pooling in his mouth into the eyes of his monstrous opponent.
“I can… NO! I WILL WIN!” He declared to the heavens, to the tune of a demented snigger from his opponent, before bringing the blade to her neck. A beheading fit for royalty. Yet, the Empress’ demonic eyes flashed open through the blood, and his blade was stopped firmly by her palm. Zetian diverted it to the side with a manic expression.
“What the..? Wait. Her pupils changed?!” Shock and horror palpated in Tsukuyomi’s brain as he realized that the demon mind had once again brought Zetian into her demonic state.
In the stands, Solomon laughed to himself as he observed the battle below. “It would appear that greed is truly the quality of a dragon, and you have achieved the pinnacle of it….well done Wu Zetian~”
“Oh my. So this is the ‘hunger’ that made her such a mighty empress…” Amaterasu mused to herself. Izanagi was now sweating slightly, his arm trembling in rage.
Mammon, meanwhile, was quivering, too shocked to even speak. Just what kind of relentless beast had Solomon bound him to? The demon, who walked through hell itself without a hint of fear, now felt as if he was in the presence of a monster.
Wu positioned herself in the same stance she had performed her White Tiger Assault in, before firing herself precariously towards the panicked God. Tsukuyomi’s eyes widened. He was too slow to dodge. He didn’t have enough momentum to parry. He couldn’t guard, or he’d be crushed under the blow’s pure power. Every option began to fade away in his mind, the Tsukuyomis of every possibility crushed by their foe…
Except the one he had finally found confidence in. The only way to advance was to move forward. Even if it was just this once, for a single strike and the rest of the battle afterwards, he was done hesitating. Here and now, he could go all out. He rushed forward, his blade surging with light.
This was the final stage of the self-mastery he had cultivated. At the end of the path of moonlight, the thousands of victories and twice as many failures forming it…simply stopped existing. The only truth remaining was this moment. To master one’s self meant to put one’s present self, all that they knew they were, into every single swing. And after so many years, Tsukuyomi’s blade and heart had finally become one shining light.
WHITE TIGER’S ASSAULT
PERPETUAL MOON CYCLE: HALF MOON
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Tsukuyomi raised his blade up high, and sent it cascading down like a waterfall of pure surging moonlight, almost meteoric in its descent as radiant power wildly trailed behind it. At the same time, Zetian’s raging, hungering claw of a hand shot upwards in that same bloodthirsty arc of destruction.
“Oh my.” Thoth gasped. “Their power is beginning to approach that of Lucifer himself!”
“This is gonna be bloody.” Crowley cackled, gently rubbing his hands together.
“Yes! Crush that boy, Empress!” Li Zhen yelled. Both his fists were clenched in anticipation.
“...G…GO FOR IT, TSUKUYOMI!” cried out Izanami, raising one fist and nearly standing up from her chair.
It was a clash of pure unwavering will. Hell’s raw tenacity and heaven’s steeled resolve met in the form of a fist and blade, the flesh and light that burned in their hearts trying to consume the other entirely, the blast of their collision a passionate roar towards the sky.
“I won’t lose!” Tsukuyomi declared, tightening his grip and clenching his teeth.
“Eat shit!” Wu snarled, the grin on her face almost hungering.
With one last shout from both sides, as they poured all that blazed in their souls into the clash, it ended in a single, explosive instant. Tsukuyomi was blown away along with his sword, and tumbled across the arena floor, as Zetian was forced backwards in a burst of blinding moonlight, hissing in pain and nearly falling over- but standing her ground nonetheless as she dug one foot into the ground behind her.
Gaozong breathed a sigh of relief from his seat. Qin and the Li clan nearby, meanwhile, let out an invigorated cheer. “What a clash!” said the First Emperor with a grin. “Just a little more, and victory will be hers to seize!”
On the other side of the arena, Izanami yelped a bit, clutching Lucifer’s hand briefly. Tsukuyomi’s siblings looked on with concern, but not fear. Everyone in the room knew Tsukuyomi still wasn’t done. But just how much more did he have left to give?
“Tsukuyomi…damnit…” Metatron muttered, adjusting his glasses anxiously. Michael remained watching, his smile unusually firm as he spoke.
“Worry not, brother. His soul is still far from exhausted. And as his family, it’s our duty to watch until the very end…and to believe in him more than anyone else can!”
“...son of a bitch…” Wu mumbled to herself, observing the deep, frostbitten cut that had torn at her fingers. Small drops of blood seeped down and pooled below her, yet she stood tall and defiant. The blade had shattered upon impact and the claws had crippled Tsukuyomi to his knees…
“At least you died like a warrior, I will give you that mu-”
“I’m…not...done…yet…” The croaky voice of Tsukuyomi beckoned in her ears. Alarm and confusion arose, as Zetian watched the feeble god lift himself up with an empty, half-dead look on his face, yet determination in his eyes. ‘When did he become so persistent? I have crushed him time and time again, destroyed his blade and stolen his pride…From where does he draw strength?!”
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Tsukuyomi looked down and noticed the blood that swam below him. ‘Am I dying? No…I can’t die yet…I don’t want to die…I suppose father, mother, and Michael would want me to live… Right…? I must try that, right father? This forbidden technique…’
The broken blade glowed before him as he exhaled a frigid air. Blood was coughed onto the ground, yet froze upon meeting his mist-like breath. His arm, covered in blood, cracked and began to tremble as it was now coated in shards of ice.
Wu looked towards him carefully, “I don’t like this at all.” Her instincts were raging at her. Primal instincts of the first of mankind suffering an age of ice, the opposite to their glorious fire, that killed all indiscriminately.
“I am sorry that you must experience this, Lady Zetian…It is a horrid power…Forgive me”
As Zeitan assumed a defensive stance, Tsukuyomi brought his blade before him, a fragile look in his posture.
“Tsuku…Yomi…!” Lucifer’s eyes widened, in a way they hadn’t since his earlier match. “Son… You truly… Have grown up…” His quiet voice held a mixture of realization, pride…but also a hint of anxiety, one of the emotions he discarded long ago. Metatron remained silent, sweat pouring down his brow, as Hanuel’s eyes widened next to him.
“He can’t be…!” Hanuel muttered. “Just what is he doing!?”
“Ahhh, Tsu-chan is about to do something splendid~ I wonder~ How will Wu-chan manage?” Dionysus' relaxed voice didn’t exactly match his eyes burning with passion and excitement.
“HA! What the fuck is he gonna do now?” Moros chanted, his eyes enchanted with excitement, his fingers burying into his hands as he awaited Tsukuyomi’s move.
“Hooh boy. I’m beginning to feel what I felt back in the center of the Hurikan again.” Da Vinci thought to himself in the infirmary, still in too much pain to speak.
Izanagi watched with a snarl, taking a deep breath of frustration at what he believed was Tsukuyomi’s incompetence. Amaterasu simply continued to watch unperturbed, an interested twinkle in her eyes. She turned to the sword-wielding god nearby and spoke with her head tilted curiously.
“Oh, Mikazuchi. Isn’t he doing the same thing as you? Or is it another one of his father’s techniques…” Amaterasu’s words were light, almost teasing. The masked god shook her head and crossed her arms as she replied with a sigh.
“Of course not. Every ‘sword’ in the world is different. Whatever he’s about to do…is something that only he can pull off.”
“This is your final test Zetian, will you manage to overcome your final obstacle, prove to everyone who ever doubted you, how wrong they were…Or fall trying” Even the ever-so collected Solomon had his full attention on the fight.
“Oh? No matter…whatever that brat god tries, our empress can overcome it! Isn’t that right?!” Li Zhen shouted. A confident smile was on his face as the cheers of his clan erupted around him, Gaozong watching intently nearby.
“Well gods, angels and men!” Thoth announced triumphantly. “Prepare yourselves, because the climax of the battle starts here!”
“Please, Tsukuyomi…win and come home.” Izanami’s voice was strangely calm, her hands clasped together as if praying. All her anxiety and confidence towards her son seemed to have vanished together, leaving only the nothingness of what was to come.
He twisted his grip on the handle, pointing the tip of the glimmering moonlight at himself. He took a deep breath before plunging it deep inside him, twisting the blade in his guts.
“The fu-!!!” Wu was startled by his suicidal display, before realising the temperature had dropped far below its former warmth. She looked to the ground and only barely avoided the expanding permafrost that encased the castle. Had she not jumped, she would have surely been trapped.
The blood that dropped from his back shot out with the thrust of the sword, yet seemed to freeze instantly. Their chilled form intensified, and became reminiscent of the wings of an angel.
The frozen wings of glimmering ice, the coming of Fimbulvetr…