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hello, I am 18 and planning on cutting of my abusive family very soon. It has been an ongoing plan for about 4 years, but they found out about it about a year ago and most of my plans fell through. Things have come to a head here and I need to leave for my own safety and well-being. to say Im terrified is an understatement, and I am not sure what to do. I have cash saved up, as well as a job where I am putting some of my paycheck into a secret account. I also have a place to stay when I leave where I would be treated like one of their kids, but theyre not rich and I would feel terrible mooching off of their money when i stay there.
MY question is: what are the big adult things? My car, phone bill, and credit card are all under my parents name. I assumed wouldnt be able to bring my credit cards or car, but wjat about my phone? An my car, to get to work everyday? I also do not have access to my passport or social security card, I just have photos of it. I need to work out the logistics of everything before I leave.
TLDR: super financially dependent on my family, but needs to leave yesterday. What big scary adult things do I need to essentially start a new life?

Welcome to our fifth discussion of Leviathan Wakes. Hold onto your cool detective hats or your environment suits, because we finally get some answers to our mystery! This week, we will discuss Chapters 34-40. The Marginalia post is here. You can find the Schedule here.
The discussion questions are below. One note - this is a very popular book series and TV show, but please keep in mind that not everyone has read or watched already, so be mindful not to include anything that could be a hint or a spoiler! Please mark spoilers not related to this section of the book using the format > ! Spoiler text here !< (without any spaces between the characters themselves or between the characters and the first and last words).
Now brace yourselves: here comes the juice!
Chapter Summaries:
Chapter 34 - Miller: Detective Miller and the crew of the Roci board the hidden ship (the one that captured the crew of the Scopuli before destroying it), wearing environment suits because the ship has no atmosphere - someone left the doors open. They stick together at first as they move through the ship, discovering signs of a struggle, zombie vomit, and twelve torpedo tubes big enough to destroy capital ships like the Donnager or the Canterbury. Miller uses his detective skills to determine that everyone but Julie retreated to engineering. Once there, they discover a truly grisly sight: layers of human flesh and bones are sort of fused around the reactor, which has been shut down. Naomi and Holden gasp in shock and disgust, Miller turns on his cop brain to suppress emotion and view it as a crime scene, and Amos seems… calm and able to ignore the gore. The team splits up to look for more clues.
Amos stays in engineering to start up the computers and get the reactor back online. Naomi works on the ops deck to run diagnostics. Miller and Holden head to the bridge, which wasn’t affected by the fighting onboard. Miller reviews the internal feeds and finds footage showing the captured Scopuli crew being led onto the ship, stripped, and put in restraints. Julie fights back viciously but is knocked unconscious and stuffed in a locker with a jumpsuit (which is where we met her in the prologue). The crew is left in the galley for 132 hours before they decide to make a stand, but it is quickly suppressed. One of the crew is thrown out an airlock and the others are heavily restrained as they scream and cry. Just as Miller gets to the first appearance of a vomit zombie (at hour 160 of footage), Amos yells that he’s been exposed to some radiation because the human flesh blob had damaged the reactor shielding. He decides to keep working while Alex monitors his health status from the Roci.
Then Holden calls Miller over to view one of the last feeds Julie accessed. It’s a corporate presentation video created for a man named Dresden and the board of Protogen. It features a man Miller dubs “the sociopath” because of his cold, practiced smile…and because of the content. The sociopath tells the board (and us) the history of scientific discovery on Phoebe, which was thought to just be a moon and a source of water, but became a research station when a survey found complex silicon structures in the ice. Protogen was tasked with investigating and discovered that Phoebe is not a moon but evidence of a galactic biosphere: it is an alien weapon sent towards Earth 2 ⅓ billion years ago, which never made it because of orbital mechanics. Protogen has discovered that this weapon is not alive per se; rather, it is something they’ve termed the “protomolecule” which has the ability to maintain structure while replicating other systems and manipulating them at scalable rates. Of course, they alerted the proper authorities and made sure… just kidding, they’ve secretly been doing tests. The sociopath believes that whoever controls the protomolecule will gain control of all political and economic power going forward. Chillingly, the sociopath urges them to pursue large-scale testing to understand the protomolecule and its human applications. That large-scale testing is Eros.
TL;DR - Julie found evidence that Protogen (her dad’s company) has discovered an alien weapon, branded it the “protomolecule”, and secretly tested it on the people of Eros (and probably other smaller tests). The entire war has just been a distraction.
Chapter 35 - Holden: Naomi explains that most of the messages on the comm logs have been coded, but the last one is in plain text: the captain informed Thoth Station that the ship was contaminated, everyone was about to die, and the “materials” had been secured. He also planned to send vector data so they could find the ship. The Roci crew put two and alien-symbol-for-two together: they figure out that the captain has locked protomolecule samples in his safe. They also decide that the tightbeam messages were being sent to a secret research station Protogen was using to monitor the Eros experiment. Even though the fact “Naomi is the best” is a proven concept on par with “space is cold”, she is NOT able to open the captain’s safe, so they decide to cut it out of the wall and bring it with them on the Roci. They also scuttle the ship so no one can a) recover the stealth technology and alien weapons, or b) get exposed to the protomolecule-human soup inside. (Amos would have preferred to hack the frozen dead body goo off the reactor with a chainsaw and salvage such an impressive and expensive ship, which is… another way to go.)
It’s clear that someone else with stealth tech is searching actively for this ship, but the Roci won’t see them coming so they decide to get the hell out of Dodge. Naomi jokes that their options include turning the safe over to the OPA (they’d be heroes), selling out to Mars (they’d be rich), or starting their own biotech firm (just kidding, that’s evil). When Miller checks in with Holden about a decision on where to go next, he drops a figurative bomb on him regarding actual bombs in the news. Since Holden did his best Edward Snowden impersonation and leaked the data that the mystery ships are from Earth, Mars asked a few too many questions and in response, Earth has blown up a whole bunch of Martian ships and destroyed the Deimos deep radar station. Miller ruefully gives Holden credit for sticking to his guns about his belief in “free information”. He also points out that Holden’s principles make him responsible for all those deaths and the destruction of the Earth-Mars Coalition… and possibly the universe as they know it.
Chapter 36 - Miller: The war between Mars and the Belt seems like no big deal now that Earth and Mars are fighting. Miller watches the news feeds as the conflict turns into a blockade, and he realizes he is steeling himself for an announcement of a planetary attack on Earth or Mars, but it never comes. He and Amos deal with the stress by having beer for breakfast.
Miller meets up with Holden in the med bay for their routine blood flushes and cancer treatments, and they reopen their debate about what to do with the data files and who is to blame for the war(s).

• Holden’s position: Broadcast everything to everyone! (I know, I know, so out of character, right?) People will understand that they’ve been set up and will turn their wrath on Protogen instead of each other. Also, these are ancient conflicts. The Belt has always hated Mars and the inner planets in general. Mars and Earth have always had animosities secretly brewing and they do military training for the inevitable showdown. Or as Miller puts it, “Not my powder keg; I just brought the match.”
• Miller’s position: Stop and consider what people will do if they hear an Earth company did this. Every other data leak has been used as an excuse to shoot at someone the other side doesn’t like. Also, people suck. They aren’t going to hold hands and sing Kumbaya just because Protogen is the bad guy. They’ll move on to shooting each other so they can be the ones to control the protomolecule. Or as Holden puts it, “Maybe Protogen is a little right. People are too dumb to be trusted with big information so we should keep hard, scary stuff a big secret. That’ll totally work out.”

Holden’s idealism starts to fade as he takes in Miller’s hard truths about humanity. To be fair, Miller loses a little idealism over his perceptions of the inner planets’ relationship which, to the Belt, seemed stable and friendly enough (and united against them). Miller encourages Holden to use Naomi’s judgment as a measuring stick for whether something is right (similar to how he uses illusion-Julie as his conscience and sounding board) and then he goes back to the news feeds to watch Ceres slowly collapse into chaos. Holden decides the only person and place he trusts - or at least doesn’t completely distrust - is Fred Johnson on Tycho Station, so they head there. Holden also wonders why they don’t just destroy the safe and make sure everyone stays away from Eros and Phoebe; Miller admits it’s because the protomolecule might just be the holy grail.
Chapter 37 - Holden: The crew of the Roci is taking a break from doom scrolling to cook fake space lasagna for dinner and bond over the food and conversation. As Holden watches the crew laugh at Amos’s belches and Miller’s wild story about cheese smuggling, he reflects that they represent all three prongs of the conflict: Naomi and Miller are Belters, Amos and he are from Earth, and Alex is from Mars. Yet they’re friends, and Holden knows this is what they have to fight for. The cheese smuggling makes no sense to Amos (why cheese and not drugs?), and Naomi points out that this illustrates how little people from the inner planets understand Belters. Earthers have free air and easy access to resources, while Belters know everything that sustains life is rare and their access to it is fragile. And this is why Protogen didn’t blink an eye before killing 1.5 million Belters on Eros: they’re “other”. Then Alex points out that this doesn’t make sense; it's a risky and unnecessarily complicated way to kill people just to satisfy prejudices. It becomes clear that Eros isn’t a hate crime, it’s a vacuum-sealed test tube to let the protomolecule learn how to do its job better by giving it access to a huge amount of biomass. The early transformations looked incomplete, as if it didn’t know how to work with human flesh yet, so Protogen was giving it a chance to train. Holden wants to know where they would even find enough people who would support an evil operation like this, and Miller promises to ask Dresden (the Protogen board member mentioned in the video) when they meet him. Something tells me that conversation won’t go well.
As the Roci approaches Tycho station, Holden and Miller take in the view of the Nauvoo, the partially constructed Mormon generation ship. When Miller says the Mormans may be in for a long and lonely death if they don’t find a habitable planet, Holden notes that this is the good kind of galactic exploration humans can accomplish (the protomolecule being the bad kind). Miller then asks Holden why he trusts Fred, and Holden explains that in addition to being the only person who hasn’t tried to jail them or blow them up since all this began, Fred is “real OPA”: he’s a politician and not part of the war-mongering factions who think they can survive indefinitely without the inner planets. When Miller points out that there isn’t a political solution to Protogen, Holden insists Fred has other skills, too. Later, Fred reads through all the information on the protomolecule and is incredulous that anyone could think to do this. Miller assures him that genocide is an old-school crime and it’s important that they stop it. Holden offers up the location of the observation station in exchange for enough OPA fighters to take down Protogen, and the right to retain custody of the safe and its contents. Fred agrees only after Holden points out that no one else can be trusted to do the right thing with a secret this big. Plus, he says Fred already knows what Holden will do with it.
Chapter 38 - Miller: It feels strange to Miller to explore the wide open spaces of Tycho Station, the fanciest place he has ever set foot on. He notices Naomi working on her hand terminal and letting her food get cold; she is too preoccupied with trying to figure out the location of the station to enjoy the amenities. As they talk, Miller is reminded of Havelock’s advice to just let go when he got pulled off a case, which jogs his memory that Havelock actually works for Protogen! (I’m surprised he didn’t get there faster; maybe everyone had a point that he was sort of a washed up detective.) He rushes off to make contact with his old buddy - probably his last real partner ever - in an encrypted drop site of a Ganymede server cluster. As he waits for a response, Miller is amused to realize he has started thinking like Holden: he feels like someone should warn the Mormans that they could potentially run into the alien creators of the protomolecule who may want to kill them. Havelock comes through, passing along the coordinates to a “very scary deep research and development lab” and asking Miller to be discreet never contact him again so he doesn’t get killed for betraying his employer. Miller sends him an encrypted warning to quit his job ASAP and not take postings at any black ops sites, before saying goodbye for the last time to the only person that still respected him as a cop. (I may or may not be sniffling a bit at this.)
Miller rounds up Naomi and Holden so they can bring Fred the coordinates. In Fred’s office, Miller starts lecturing him about the serious nature of the mission and the need to have a solid plan with adequate firepower, not the usual OPA shenanigans. Everyone’s a little confused until they realize that Miller doesn’t know that Fred is “the butcher of Anderson Station” and a former Colonel in the Earth Navy. Fred assures Miller he’s no amateur and will plan ahead. Miller then insists that he get to come along for the assault on Thoth Station. Eight days later, the plan is set in motion and Miller begins packing his meager belongings into a very small bag, figuring he’ll never see the Roci again. Even if he makes it off Thoth alive, he’ll have to figure out a way to make money and improvise a life plan of some sort. He tries to thank Holden and say goodbye, but the Roci’s captain interrupts Miller to ask where they’ll all meet up after the mission is complete. Miller is confused at first, then overcome with emotion when he realizes Holden considers Miller part of the crew! I’m not crying, you’re crying. Actually, it’s Miller who is weeping. But he pulls himself together so he can head to the assault ship.
Chapter 39 - Holden: The Rocinante needs to sneak up on Thoth Station, so they are pretending to be a loose cargo container that broke off the Guy Molinari (the Belter ship carrying the assault team, which is pretending to be a cargo ship). They fly with everything shut down so that it’s more convincing, hoping they can get close enough to the station to do some damage before Thoth starts firing back. As they approach and are able to reboot everything needed for battle, a stealth ship is spied hanging out near Thoth Station. Then, suddenly it becomes clear that there are two small stealth ships, which will be much harder to fight off. Everyone does their jobs efficiently on the Roci, but in the ensuing battle with the stealth ships, they start to take some damage. First, the Roci is hit by a gauss cannon that goes straight through the machine shop and galley. Holden mourns his coffee maker. Amos notices a leak in the maneuvering thrusters and heads to fix it between the inner and outer hulls, which isn’t an ideal place to be floating around during a battle. This stresses Naomi out, but Holden orders everyone to stay focused. They are able to take out one of the stealth ships, but the other gets close enough to do some impressive damage to the Roci. There is major hull damage as well as loss of four maneuvering thrusters, a PDC, their O2 storage, and the crew airlock. Alex is about to destroy the second stealth ship when the Roci’s point defense cannons (PDCs) detonate an enemy warhead up close. It knocks everyone out, punches holes throughout the Roci (narrowly missing Naomi), dislodges equipment, and fills the ship with debris. Holden marvels that they are alive at all, and Alex points out that is only because the ship’s anti-spalling webbing eliminates shrapnel. They make contact with Fred, who says he’ll find them a place to land, and the Guy Molinari prepares for the assault on Thoth Station. It’s Miller’s turn to shine!
Chapter 40 - Miller: On the Guy Molinari, Miller is talking to a Belter kid named Diogo as they wait for the assault to start. Miller realizes that while he has fancy Martian armor from the Roci and experience with gunfights in station corridors, he is surrounded by inexperienced young Belters with borrowed gear, and he will likely have to watch dozens of them die during the battle. But Diogo isn’t worried; he is confident and eager to get started. Fred announces that they are ready to start boarding since the Roci gave them the “all clear”, and Miller is happy to hear his friends have survived. The assault on the station starts off rough, with Protogen soldiers fighting them in the corridors and automatic defense lasers taking out some of the Belters in the first wave. But Fred knows how to command his OPA “troops” and keep them in line, and things start to go more smoothly as they slow down and maneuver carefully. Miller and Diogo are part of a group taking shelter at Fred’s direction and fending off Protogen counterattacks, and they start to talk during a lull. When two Protogen soldiers sneak up on them from behind, Diogo is hit and Miller chastises himself for chatting during a battle and not staying alert. He thinks Diogo is dead, but he pops up laughing and streaked with white goo from crowd suppression rounds, which Miller finds an odd choice of weapon. It’s the first sign that Thoth Station may not totally understand what’s happening. The OPA soldiers cut their way through the blast doors to get to the operations center, where they find Dresden (the dude mentioned in the sociopath’s Protogen video). Fred arrives to take command of the station, and Dresden offers to negotiate, clearly misunderstanding the reason for the assault. He offers to give the OPA whatever resources they need to go back to fighting their war (money, medical supplies, weapons, ordnance) if they’ll just leave and let the station get back to their very important work. Fred points out that they know about Eros, but Dresden insists no one knows what they did there, and there won’t be a better bargaining position for Fred when Earth sends its battleships. Fred basically calls Dresden Satan, but Dresden doesn’t understand the reference.

hello, I am 18 and planning on cutting of my abusive family very soon. It has been an ongoing plan for about 4 years, but they found out about it about a year ago and most of my plans fell through. Things have come to a head here and I need to leave for my own safety and well-being. to say Im terrified is an understatement, and I am not sure what to do. I have cash saved up, as well as a job where I am putting some of my paycheck into a secret account. I also have a place to stay when I leave where I would be treated like one of their kids, but theyre not rich and I would feel terrible mooching off of their money when i stay there.
MY question is: what are the big adult things? My car, phone bill, and credit card are all under my parents name. I assumed wouldnt be able to bring my credit cards or car, but wjat about my phone? An my car, to get to work everyday? I also do not have access to my passport or social security card, I just have photos of it. I need to work out the logistics of everything before I leave.
TLDR: super financially dependent on my family, but needs to leave yesterday. What big scary adult things do I need to essentially start a new life?

I’ve spent many months and countless hours iterating my budget to balance my income and expenses, but no luck yet. My monthly deficit is almost 14 hundred
Biggest debts: - student loans: 50K+ - auto loan: 20K+ - Credit card: 5K
What’s even crazier is that none of the above debts are current, they are all in collections or charged off status.
Credit score went from 700+ to below 500 in two years. Can’t seem to redeem myself since I screwed up 2 years ago.
Life got tougher, took on additional debts and couldn’t keep up with payments.
Thinking on taking a 10K hardship withdrawal from my retirement account to make a PENDING LARGE PURCHASE THAT’S ABSOLUTELY NECESSARY.
Thoughts?
Current budget screenshot…

My husband and I have been married for 1 year, together for 4, and we have 1 baby (8Months). We are both very young. So young really, that I despise being here in this group already, let alone disclosing our age. He has a drinking problem. It was very bad for a while, he was drinking 1 L bottles of 99 banana vodka every 2 days. And he was a completely different person. After some rock bottoms times with him, he is no longer “allowed” to drink liquor, I do say I’m okay with beer because he feels like he is making the decision and I understand that trying to control him will only enable him, as I have found hidden bottles on multiple occasions. I rarely ever drink and I watch the credit cards as well because it easily goes unnoticed. He has not done this in a while, and I just want so badly to not be constantly watching, Listening, assuming, and snooping. It only hurts my feelings more most of the time. HOW do I stop feeling and acting like this? I want so badly to trust him again but I just can’t. Please any advice?

Hi all, I am looking to restructure the credit cards I currently have to maximize my rewards. I think my current arrangement is a bit complicated. Currently I put all my expenses on credit cards and then fully pay them off each month. My partner and I are also in the process of combining finances, so I want a simpler arrangement for us. The only credit card he has is the Apple Card, which he will keep separate, so all the cards listed below are in my name. Currently he is an authorized user on the Amex Platinum and I would add him to other cards to cover the majority of our joint expenses (dining, groceries, travel, entertainment). With all our joint expenses currently going on the Amex Platinum, we are only earning 1x points on most of our purchases, hence why I want to change up our arrangement. I do use all of the Platinum credits making my annual fee effectively $0, and we want airport lounge access, so I would like to keep the Platinum. I would also keep my Apple Card separate as I use the ACMI program for my phone. What I was thinking is keeping the Platinum, Prime, and SavorOne. I would product change the Freedom Flex to Freedom Unlimited. I would then close the Credit Union, Discover, and GAP. I am open to all suggestions though! Thank you for your help!
CREDIT PROFILE

• Current credit cards:
  • Clearview Federal Credit Union Platinum Mastercard $500 limit, 7/2013
    • currently sits in a drawer, oldest card, from local credit union
  • Discover it $29,000 limit, 2/2016
    • barely use, do not like rotating categories
  • Barclays GAP $15,000 limit, 10/2017
    • barely use, got for SUB when buying clothes
  • Apple Card $11,500 limit, 8/2019
    • use for Apple products, ACMI, and Apple Pay purchases when other card rewards are less than 2x
  • Chase Freedom Flex $17,900 limit, 2/2022
    • barely use, do not like rotating categories
  • CapitalOne SavorOne $30,000 limit, 11/2022
    • use most frequently if not joint expense or Apple Pay
  • American Express Platinum, no limit, 4/2023
    • use for all joint expenses and travel
  • Chase Amazon Prime Visa $24,000 limit, 12/2023
    • use for all Amazon purchases and Costco
• FICO Scores: Experian 804, Discover 788
• Oldest credit card account age with you as primary name on the account: 10 years 10 months
  • Average age of accounts: 6 years 2 months
  • Age of most recent account: 5 months
• Number of personal credit cards approved for in the past 6 months: 1
• Number of personal credit cards approved for in the past 12 months: 1
• Number of personal credit cards approved for in the past 24 months: 3
• Annual income $125,000

CATEGORIES

• OK with category-specific cards?: Yes
• OK with rotating category cards?: No
• Average monthly spend
  • Dining $600
  • Groceries $500
  • Gas $200
  • Travel - yearly budget $5-10,000 (budgeting higher this year due to honeymoon)
    • Flight $250 (monthly) $2500 (yearly)
    • Hotel $400 (monthly) $5000 (yearly)
    • Cruise $250 (monthly) $2500 (yearly)
  • Amazon $200
  • Costco $300
  • Streaming Services $60
  • Phone/Internet $120
  • Do you plan on using this card abroad for a significant length of time?: No
  • Can you pay rent by credit card? $780 by check only

MEMBERSHIPS & SUBSCRIPTIONS

• Current member of Amazon Prime
• Current member of Costco
• Currently paying for Disney+ Bundle, but using Amex Plat credits for this
• Current member of Chase, US Bank or any other big bank?: PNC Bank, have 2 Chase credit cards
• Are you open to Business Cards?: Probably not as I have no side hustle currently that I could use as a "business"

PURPOSE

• What's the purpose of your next card?: Simplifying and maximizing rewards points
• Do you have any cards you've been looking at? I've been thinking about some version of the AMEX or Chase Trifecta

Locator 57 - Renewal (Passport Book Card) Timeline - Routine Service - Lightning Fast!
5/1 - Shipped via USPS Priority Mail to Irving, TX 5/3 - Delivered 5/6 - Application Status: In Process 5/16 (AM) - Application Status: Shipped ('The U.S. Department of State has shipped your passport book and card on 05/15/2024 ... We sent your passport book and card to you using Priority Mail ... You should receive your passport on or around 05/21/2024'.) 5/16 (PM) - Application Status: Approved ('We're now printing your passport book and card and preparing to give it to you ... You should receive your passport book and card on or around 05/25/2024'.) 5/18 - Slated to receive a shipment from PASSPORT SERVICES (coming from AR)
I'll update this thread as I receive document(s).

I have $34783 in charge offs split among 7 companies. Some were charged off 8/2018 and most of the rest 2/2019. SOL is 4 years in my state. Is it worth negotiating with these companies or should I just wait the year and a half and let them fall off my report. I currently have 2 credit cards paid as agreed and a car loan paid as agreed. That I got after the charge offs. Probably not looking to buy a house or a new car anytime soon. Best advice. And yes I know I’m morally responsible for the debt but at this point not sure I want to contact any of the companies.

Debit/Credit Cards Accepted No Closing Costs Cash Price: $895 Finance with $150 Down and 9 Payments of $110 Per Month No Credit Check, No Income Documentation, No Prepayment Penalty 

This number called: +639541766268 Am I aware naman na ba raw na acquired na ni UB ang Citi? Tells me that I am qualified for a NAFFL promo sa card ko. May points raw ako na malapint na mag-expire, bakit hindi ko pa ginagamit. Duda agad ako since wala naman talagang AMF ang card ko at hindi nag-e-earn ng points. Knows my full name, my email address, and credit card number. Asks for the expiry date of my card. Sounds professional ang caller. Gusto ko pa sana pahabain ang usapan pero he politely told me na itatanong niya na lang sa supervisor niya bakit nasa record pa nila ang card ko at tatawag na lang later nung sinabi ko na two months ago pa cancelled ang card. Hindi na tumawag ulit. Ingat po tayo parati. Naka-lock lang parati ang card ko.

Is it necessary for my friend in Serbia to have a Serbian credit card linked to the paypal account to recieve money from Germany via Services and Goods?
Or does he just need a verified paypal account to recieve my money?
He only needs the account to make payments, not withdraw anything from the account.

I was reading another thread explaining how, in the USA, once you peg it your unsecured debts, such as credit cards, die with you. Is it the same here? If it is, then should I ever get a 6 month warning from the quack I'd go on a stupid spending spree using as many cards as I could, buying stuff for the family.
What to buy though? Would the CC company chase the relatives for it? Should I just donate the max I could to charities, and let them fight it out? Or withdraw cash and give that away?

I’m lucky enough to have had a credit card from another country that was part of the Lounge Key network and allowed me and 1 guest, 10 annual visits. That card is about to expire. Is there a credit card like this in Australia? I can only find ones that have 2 annual visits etc?

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