Hello everyone! I wanted to write and share something constructive for this space, that hopefully goes beyond snarking specific names and personalities and helps those who have been harmed in one way or another find a bit of understanding around what happened to them and why.
I've shared pieces of my story here before but the gist is: I am not from the coaching world. I'm from the general spirituality world - from a spiritual modality that has an aspect of divine feminine and divine masculine that has always interested me, but few others in the community. I learned about this whole specific mess listening to love & light confessionals, and went deep into the rabbit hole. The perversion of understanding of masculine/feminine energy dynamics was horrifying but also enlightening. I'm big on learning how NOT to be from people who give me the major ick. This is why I've done a lot of deep diving in general on cults, gurus, and manipulative spirituality in general - and there's a lot to take away if you can go in with this mindset. I'm also hella autistic and love infiltrating niche internet subgroups whose experiences are much different than mine so I can - again - learn from the experieneces of others, and gain more empathy and understanding of the vast human experience.
I was a very forward facing person for the nonprofit I volunteered for for over 4 years. There was no "guru" that I supplicated, however there was a person formally in charge who abused their power and the willingness of others to help the organization, and was known to be cruel in private, when it suited them. I didn't see this person as above me - in fact in a lot of ways they were quite pitiful and needed a lot of help/support in their role - which is what I did, willingly and for practically free. At one point, the entire org sat down and did a call in of this person, however, they were able to push everyone that they couldn't control out of the way and rewrote the story with themselves as the victim (we all know this one). The final falling out happened at the end of 2019, so luckily for them Covid gave them some time to figure out how to run their events without me (they hired a paid staff).
Anyway, I gave many many hundreds of hours to this cause, and then the person in charge was able to take advantage of me and then push me out of the community I had served very seriously for 6 years with rumors that I had been trying to steal money. This is so far beyond the truth, and everyone involved directly knows this, but no one came to dispell the rumor. So, I've been heartbroken by supposedly "spiritual" leaders of a community, that's for sure. In fact listening to Katya was part of the cult deprogramming that me and a group who had left together went through (this group also used, abused, and betrayed me but that's another story!)
So, this isn't going to be about me, I just wanted to share my background. This is about what the divine feminine and the divine masculine "REALLY" are. This may get a bit woo in here but I can't imagine anyone here is afraid of woo. In fact it's the mystery of the spiritual experience that allows these people to cause so much harm. So let me try to remove some of that mystery.
The creation is polarized, in many ways. One of those ways is masculine/feminine. The masculine force is the will, the conscious mind, and that which puts the infinity of possible experience into order. It in and of itself is quite fallible. The feminine force is the subconscious mind - all that is - and the untapped potential of this reservoir. The masculine reaches for the feminine, and if the will (masculine) is properly configured, the unmanifest creation (feminine) will give him something in return. The masculine NEEDS the feminine but the feminine doesn't really NEED the masculine, however it does desire the masculine's attention being focused it its direction (instead of random mundane wordly experiences). And the feminine wants the masculine's attention consistently, lest the feminine will not be consistent at all in its response. This attention can be forceful or gentle, but it must be consistent.
Every human has a balance of masculine/feminine energy in them, and while women are socially conditioned to tend towards feminine expression and men towards masculine, biological sex really has very very little to do with it. There are of course, positive feminine expressions and negative, and positive male expressions and negative. What these polarity goons do is mostly focus on a mix of positive/negative masculine expression for the man, 0 female expression, and then only positive feminine expression for the woman with maybe, possibly, a bit of positive masculine expression (only during working hours when you're in seperate offices, and only if you're paying the bills, ofc)
Typically, we are attracted to partners who "balance" out our spiritual energy - so the "polarization" in a relationship can be anywhere from hyper masc/hyper femme to barely masc/barely femme - and again, this is NOT a hard and fast rule and has almost NOTHING to do with sex other than a general (mostly cultural) bias. The hyper femme/hyper masc scenario can definitely be more, well, exciting and dramatic than a relationship between two people who have very little polarized charge in that way between them. But that's likely why few of these polarity gurus have any experience in longevity of relationships - they are fueling their "twin flame" relationship with manufactured drama and trauma bonding. In reality, in a relationship, you are supposed to grow together and be more willing to meet each other where you are at in the moment, instead of demanding they be a near perfect idealized form before you offer them any attention/respect.
The reason these male teachers push polarity doctrine is literally because of their own wounding of the expression of the masculine/feminine. Men (especially USian men) have been taught that expressing any aspect of their feminine selves is repulsive and weak and probably gay. So, their solution to their own inability to be vulnerable is to attack women - for being "too masculine" - aka some balanced expression of both, normal! They want their women to be 100% pure unformed childlike energy with no will of their own, just a will that can be given to the man. They want them to embody this feminine space as close to 100% of the time so that they are forced into their masculine 100% of the time. Girlies, if you are in your masculine, this makes them feel more in their feminine and - gosh that's just icky and disgusting. You don't want your man to get a boner for you when you're in the masculine - that might make him GAY! In the very least it's totally beta to be attracted to a masculine woman and basically gay anyway. No thanks!
I'm sorry to be facetious, but this is in general a lot of the subconscious and even sometimes conscious thought processes behind these hyper polarity relationships. These are not evolved, embodied people. These are people who are still very invested in the old fashioned human status quo that has served them for a long time. We had the thread a few weeks back with the Desire on Fire lady (ugh her name escapes me) talking about how her husband had to "put her in her place" for being "too masculine" and how he really just "didnt want her" when she was in her masculine, when she was literally just running her business. Masculine wounding almost ALWAYS shows up as men being jealous of women being better at them in their own field - or really successful publicly at all - and this is why women STILL have a hard time breaking into male dominated spaces. We are systemically kept out because men die inside when they feel inferior to women. They were told this wasn't supposed to happen!!!! In fact, the person who spiritually abused me was a man - I see now how he "kept" me as a pet because of my high standing in the community. But this meant I was still firmly below him in certain ways - a much more comfortable place for me to be, someone who challenged him on his "expertise".
This polarity movement is taking a true spiritual concept and distorting it just to set women back. They don't want you to have an opinion or agency - other than "me want money" and "me want sex". They want you to play on Instagram all day and recruit ladies for them to sexually assault at your joint "retreats". They want you to only feel valued if you're made up and dressed up and "desired" by men. None of this internalized self worth stuff, only external male validation is allowed. Ladies, if any of you reading this are with some sort of this type of man, please, I beg you, choose the bear. This is the type of man who leaves you as soon as your body culminates too many signs of being aged. They are entitlted to a specific cartoon image of what they think a "woman" is, and sadly this culture has made young women INCREDIBLY easy to manipulate, so finding another partner is often quite easy for older men. It's all by design.
Here's another spiritual truth that is often obscured: One of the polarities of divinity is the left hand path and the right hand path. The left hand path is the path of control, wealth, using others, egocentrism, etc. The right hand path is about acceptance, generosity, helping others, and sacrifice. The middle path is a path with little to no power - it's the path of comfort, the path most people are on.
When one walks the middle path - i.e. has not really begun to truly develop their spiritual side - they do not yet have spiritual discernment. What happens when they come across someone who has been using spiritual principles to "build their wealth/power" is that they see someone with a spiritual light - and this isn't super common on social media. When we're hungry for it, we're like a moth to the flame. That's why they always know they'll be another mark. The problem then is when we don't have discernment, we cannot tell which "hand" the light is coming from, and often it's very easy to confuse the left hand for the right and vice versa. For instance, I am giving up a large part of my day to write this purely to help others in this community - Carly or MAL or someone might stumble upon this and see it as "evil". But that's because they see the light, but to them it's against their light, so I'm the evil one. But all I'm trying to offer is freedom of mind, and they're mad because they want your bag, and this is dependent on you being confused and them keeping a crumb of clarity behind a paywall. 💰
Now, some of these girlies are walking the "left hand path" a lot better than the others. I dont know many coaches beyond those talked about here, but I would say someone like MAL has a pretty firm grasp on who she is - a scam artist, a liar, and a user. She's always making up stories and whatnot - she's a pathological liar. She will do anything to get her way. This is pretty serious when you've been behaving this way for years and years. Her image is very rigid and polished, and despite showing up unprepared and offering word salad to her paying persons, her "outer circle" (social media feed etc) is much more curated than most of the other coaches I've seen. She's at the top of the pyramid so she has a huge amount of control and influence. If she cracks someday, we'll see it, and usually people struggle to return to the top once they falter. I'm sure she's already showing some signs of paranoia, which is the first sign a high control person is starting to become unhinged.
Then there are the messier girlies, like Carly, and Karen who has recently been more thoroughly exposed here. These ladies show up very vulnerable to social media, and often are struggling with illness - as someone has said here before, Carly's early coaching gigs were about health and dealing with chronic illness, until she realized that space wasn't sexy or profitable. I'm not saying this is the root of all illness, but transient illness can be a sign of a spiritual mismatch in intentions/action - especially with these people who claim to be "healers" or adjacent to that space. You have to walk your talk, or your body begins to show your hypocrisy. There is a part of these ladies who feel they are truly "helping the planet" and get confused internally when the reaction of their "offers" isn't for people to fall down at their feet worshipping them. This is why they say stuff like "wealth is a mindset!" and other magical thinking - most of them have lived privileged lives and have never been "out" of abundance. They think their "luck" is a carefully curated vibration that they can rub off on others. And like, while I believe that being in the vibrations of someone who is more spiritually mature can help "elevate" someone - these people are playing with spiritual practices and, while seeing some results, truly have no clue what they are talking about and dealing with. People who truly understand manifestation, whether left or right hand, are not busting their ass all day on Instagram trying to recruit lukewarm clients for peanuts. Carly tries SO HARD to sell that all of her work is "easy" and she can "take a walk in the middle of the day!" and not work while she's bleeding and whatnot. But girl, you're hustling and thirsty all over Insta all day every day - this is not abundance, this is not wealth and gratitude, it's giving "big empty black hole in my soul that will never be filled except with more money" energy, babe.
Then there are the girlies like xogingy and The Content Queen whose whole brand seems to be just being a mess all over the place. This sells because it makes people think "well I'm messy maybe I can be messy and rich/successful" but the mess for these girls is much more embraced and embodied than with the prim types like Carly and Karen, who want to be pure luxe and sexy and divine feminine perfection. But the luxe and sexy types are really doing the recruiting for their sexual in-person retreats (or clothing optional zooms) because they're just mega horny all the time (which - btw - is another sign of spiritual imbalance)
And that's the thing - being horny all of the time means your energy body is JACKED. It's not a sign of a free flow of creative energy to crave sex all of the time. Of course a major aspect of this is the sexual magic - yes, there is magic in sex, and I think it's where these folks get most of their magic, because they follow left hand sexual magic practice exclusively (control BDSM). They do play rapes (and borderline real rapes and, in some cases, actual real rapes on their clients/partners), orgasm denial, humiliation, pain rituals - all stuff that truly, objectively, isn't good for the soul. And notice how it's almost always one sided - the male being in total control of the female - though, Carly's substack did have a story about how they did a "role reversal" where she raped/humiliated him and that was um, something I read. 😳 But generally it's the women's job to always be turned on and "dripping wet" and whatnot, so that when her masculine partner gets a boner she's ready for him to slide it in. And then that's always the best sex, the sex that you "surrender" to.... On the contrary, sex between "right hand" practitioners tends to leave both partners feeling quite satisfied and sated - heck, even if only one happens to orgasm! Whereas control oriented sex often has orgasm denial which intentionally leaves the person craving more.
All this is to say, no one should feel guilty for being duped, or conned, or confused, even still. Almost all of these people have weaponized spiritual concepts in some ways and are wielding them with the intention to separate you from your money. They actually do have something that works. But they will NEVER sell you the whole story. And the fact is, this experience likely did happen to you because your soul was aching for some sort of uplevel - or initiation. It's just that initiation rarely looks like getting what we want. MAL et al makes it look like initiation is giving a rich lady 5 figures, popping a bottle of champagne, and roleplaying as that rich lady to which you just gave all that money (or at least, roleplaying as her social media feed). But if you're truly in it for the soul, your experience is going to help you uncover your soul. And part of uncovering our souls at this point in time seems to be having some serious spiritual trauma. And I know some people here probably only did this as "playing around" and not serious and unfortunately, playing with spirituality can be can be dangerous in and of itself. These is not to victim blame at all. It just is the nature of the spiritual path that it may growl and bite at you to test your growth. It's not just a sexy pleasure party 24/7, unless you want to step on a LOT of people to get there.
Anyway, this is very long and I'm not sure it's going to even fit into a reddit post at this point. But I just wanted to share some of the spiritual insights I've had over the years (been on my spiritual journey for over a decade at this point). I don't know it all, but I do know that I live with a general peace of mind that I wish I could sell in a coaching package or voxer group. But I can't/won't do that. So I'll keep to my lifelong duty of making longwinded, mega autistic posts on internet forums that might help a few people orient to a less painful or confused frame of mind, free of charge.
But on that note, before I finish, I'll offer my general spiritual advice: Firstly, take a short time every day to do some sort of sitting/meditation. Learning how to quiet the mind is a skill, and it's the first skill required to learn discernment. Once we can quiet the mind, we can start to learn which thoughts are our own and which thoughts we have absorbed from others - and if you haven't begun this process yet, you may be surprised to find out that the vast majority of your thoughts are actually just society, family, teachers, social media, advertising, etc etc, repeating in your mind and taking up valuable real estate. This is the real hurdle to "manifestation" - clearing away all the false desires that get in the way of our true desires. Subsequently, learning about chakras and tuning into my energy body has also given me a good base for insight and clarity that comes from within my own body.
Secondly, just try to think of others before yourself more often than not. Don't justify manipulating people for your own benefit. Oneness means you treat others how you want to be treated - in a gentle, and nurturing way. When we harm others, especially from a spiritual place, we perpetuate harm, and therefore accept that potential harmful treatment of ourselves. Treating others sincerely with reverence and respect, and setting boundaries so that we don't allow people to treat us with disrespect, is how we generate a reality that treats us with reverence and respect by default. A lot easier said than done, but it is possible.
Love and light to you all.

I'm glad I found this sub because it's apparently the only place where I can vent about this.
So where do I even start, first we had a cat for about almost 3 years(few months short) and it was a disaster, it was fine for a few months but then later it started and kept destroying/ruining stuff: decorations, drawings of my younger brothers, scratching furniture, yowling every night, leaving hair everywhere to the point that it was impossible to remove it completely for months, biting cables of phone chargers, scratching us from time to time for no reason etc. Then we had to go to the vacation in our home country for a few months or a year but couldn't bring the cat because it didn't have a permission or whatever for us to take it to airplane and it would take months to get it, so we left it in shelter with one colleague to look after it.
Then the crazy stuff really begins... As soon as we came back from the vacation, there was this cat in front of the door in the building every day and she kept feeding it, later it turns out it was pregnant and had a litter, mother decides to take in the small kitten with no hesitation which ends up in it shitting all over the house one time when we went outside. I'm talking all over the floor, couch etc... Which angers the mother a bit but guess what she forgives it hours later like nothing happened, then after a bit more time it turns on it had worms in it's poop since surprise: taking a random cat from street which had no checking with the vet or anything can be problematic. She finally agrees to take it outside and let it on streets where it was later taken by some people. Also not to mention how she defends literally anything cats do including destroying wildlife but at the same time says that she is some animal lover.
This is the part where I would like to say that it all ended here, but it didn't...
We once again vent to vacation to our home country next summer and when we returned we went to another place(we have to move a bit for now because of a job of our father, it's temporary thankfully) and this place is a nightmare: whole litter of stray cats in the streets around and literally almost the same situation happened as last time: there was a pregnant cat in front door, mother starts feeding it and makes a litter of 4 of them in total, neighbors can't take it anymore and decide to kick them out and she moves them on the roof. There was multiple attempts of neighbors to kick them out and show them that they are unwelcome here, but to no avail since she made the roof their playground. One neighbor decides to admittedly overreact and literally pushes the cat from the roof and it falls on parked van leaving the 3 kittens up, it survives because it's a cat and runs away, obviously I don't support this act and never would, but the neighbors are so fed up on it that it was only a matter of time before someone would snap. AND THEN, mother takes the 3 kittens IN THE HOUSE immediately and tells the father to call the vet and shelter in order for them to be given for adoption, but until then she will look after them on the balcony. After some time, this cat returns but is hurt and recovers slowly, mother finally takes them out of the house few days later and returns them to the same spot on the roof. Still weeks later no sign of vet calling because it takes time to find people to adopt them.
Now she keeps going to them every single day and spending hours with them, she spends more time daily with random stray cats than with us in home! Few weeks later random stray kitten from the litter in streets gets hurt and she immediately takes it in to nurse it and allows it to sleep in bed, 2 days later she returns it. And now she is absolutely baffled and furious because the neighborhood doesn't give a single shit about stray litters on streets. She just goes around on and on and on about how neighbors are assholes and bad yada yada(except 3 of them who also feed them) because they don't feed stray hordes on streets like this is an animal shelter and not the place where people live and was talking shit about one woman because she saw her being scared to pass because of one cat and swatted it (she most probably has a phobia) and said that ''she was overreacting like it's a dinosaur''. There aren't any foxes, coyotes or birds of prey here so they are free to run amok everywhere and unfortunately the animal control here is very bad unless it's about something bigger.
And now here we are, she goes on the roof every day to spend time with litter she made and observes them like they're animals of Savannah or apes, as soon as she hears some cat meowing or yowling outside, she rushes to find it to feed it, goes in and out of the home like 50 times a day because of it, spends a lot of money on cat food etc. Thankfully we're here not for long more and we'll hopefully soon settle down on the place where we were before father had to start travelling because of job and be free from this because there strays actually aren't that much present and few that it had aren't allowed in or near the building thankfully.

So after driving 3000 miles across the country to go take care of my mother in her apartment and after a few months of me getting groceries and catering towards her needs she wanted me gone, feeling she was owed that stuff and I needed to go because I was an "inconvenience" when I dropped everything to take care of her yes selfishly I was a bit lonely without family and wanted a new purpose getting out of my relationship with my highschool sweetheart probably taking care of someone else because it used to make me feel good to help others. Anyways I moved in with the neighbor one of her friends which was a huge mistake, I didn't think anything would happen as the guy is almost in his mid 60's, I knew him and didn't think anything would go bad with this weed smoking, one legged old man in a power wheel chair. I was way wrong. Next day after moving in I left my wallet in my he stole money from my wallet and tried to convince me that "I'm just a disabled old man I couldn't do anything" same thing started with my clothes I had to lock my door that he started breaking into coming to a point where I kept calling him out over this bullshit as it accelerated I was helping him and he was screwing me over especially after me agreeing to sign off as a nighttime aid for him to get his place for free. (I didn't realize the object was to force me out and use my identity to claim fraud like he was claiming his daytime aid was there when I was helping him and would only show up on payday probably to suck him off since she was in on it allowing her identity to be used because she was getting paid unlike myself just a place to live that I still paid $250 a month for.) It lead to a huge altercation he screamed "elder abuse" (because apparently it's abuse calling someone out from stealing) then the boomer threatened to kill me leading the lady upstairs to call the cops which they did nothing although there were cameras inside and outside the apartment as well as him being a former felon apparently losing his leg in a drug deal gone wrong. In the end I moved out to live somewhere else before becoming homeless, I should have never moved in the first place or came back to be there for anyone because no one has been there for me now because of it being my old address mail got sent there, like when I got a government phone and tried to sell my iphone once becoming homeless and waiting for SSI and SSDI the Ebay buyer wanted to return it because although clearing my data iphone apparently remembered everything so no this boomer has me locked out of my old social media account and email. Regardless what I learned is I should have called the cops the first time it happened and moved out, boomers are the worst and I no longer gain joy from helping people because the only impact I'm giving is letting others take advantage and I sure as hell don't want to help the elderly anymore. That's my story if I could have people report the Instagram account as being hacked maybe that'll get it taken down.

Two years ago (2022) in mid August, I got sexually assaulted by my mom‘s boyfriend. Now what happened may not be as bad as what many others have experienced, but I guess the worst part of it was how my mom and my family “handled” it.
He was a chain-smoking alcoholic and that day my mom and him were telling me about all the bad guys in college and how I have to be careful they might sexually assault me or bully me or whatever. At the end of the conversation, my mom told me to fix my hair in her closet/makeup room and that’s what I did. My mom went downstairs to cook, and I don’t know what her boyfriend was doing, but he kept popping in saying he was just trying to help me, call him up, he’s just trying to show me. He and I had already been on bad terms since we met during Covid. He was her client and he just got out for a DUI. We’d argue a lot, and my mom really didn’t do anything about it.
FYI, he kept trying to kiss me on the lips, but my mom would argue till the day she dies that all he did was kiss me on the cheek. He groped my left boob, I told her this while cupping it. She’d say that he held my side. She wasn’t in the room. She was downstairs cooking and I was screaming. Every time he would come in trying kissing me and, every time she would scream at him too even though she was downstairs because she heard me. At one point she came up so I told her that he’d been trying to kiss me but she thought it was on the cheek so she went back downstairs. Same shit—he comes in saying crazy ass shit, tries kissing me on the lips while my mom and I scream at him… except this time he gropes me, says sorry when he leaves the room and I rush downstairs telling my mom what happened. I was using the flat iron and I had every opportunity to burn him. Honestly a part of me wishes I did but it wasn’t the answer to this situation; it would’ve made things worse for me so I’m glad I didn’t do anything like that. When I went to college I used the resources available to me but I made no tangible improvements or positive effects for my life. I even went straight to the Police Department (not just UPD) I could’ve gotten a restraining order but I didn’t. The officer even asked me point-blank, “So are we arresting this guy?”
I remember on my last day to work that summer (2022), I was talking to my mom and she was asking me if I really wanted to tell anyone about it like it was a bad thing. The same thing happens a few days later when I get my outpatient surgery, she reminds me of her “handling” the situation. Nobody in my family really gives a fuck btw, when I told my relatives what happened they kind of danced around it, were in disbelief and honestly, were kind of telling me that they didn’t believe me. When I told my brother he said straight up that he didn’t believe me he didn’t think anyone else would.
My moms boyfriend doesn’t drink or smoke to that extent anymore. I still don’t wanna be around him, but I don’t have money. I don’t have friends. I can’t just get an apartment and my mom gets very angry at me when I had a summer job (2023) that despite paying for my stay at college and you guessed it, was over the summer, she was mad that I didn’t just stay at her house. Get a seasonal job here and make money here for free! Because he just won’t bother me, she says. I get free transportation both here and there. I don’t wanna go on family trips because he’s always there. I don’t even want to be in the same room as him. She says I’m segregating and making people walk on eggshells. My mom is so pissed about it that she won’t bother keeping us in separate areas. She says I’m segregating and making people walk on eggshells.
Isn’t that the worst part? I still live here. This is my permanent address. Like, I came back here for the summer break, for the winter intercession, and the gap of time before my last summer internship. I have epilepsy. I can’t get a job rn and I can’t make friends bc my people skills are disgustingly bad. I depend on my mom to drive me to my pharmacy. I don’t speak to any of my family because of how they responded to this situation + he’s at every event. Of course everyone loves him. I don’t love my mom, but I tell her I do so I can be on some “positive” level with her, even though we argue almost daily. She has no sympathy, despite saying her childhood was much worse—she loved her mom so much that she’d speak to her every day... like it’s some competition. She doesn’t understand why her kids at various times in their lives have become estranged from not only her, but her side of my family (one is 100% estranged). I can’t forgive anyone.

Hello to whoever sees this, it is the first time I make a post here, I just want to say that the purpose of this post is just to express myself, how I feel, feel free to leave your comment, it doesn't matter if it's mockery, hate, support everything is welcome. I am 20 years old, and 8 months ago I was diagnosed with an anxious-depressive disorder and I am currently dealing with it. I have never seen the need to go to a psychologist. I only visited him once when I was little and I never did it again until 9 years ago. months, I visited a psychologist and after several appointments, he diagnosed me with this, and honestly it took me by surprise and in the following months everything has been worse, Like any family with old habits, they do not believe in these types of issues, it is horrible to know that your family does not support you and sees it as nonsense, I have friends, but my circle is reduced to 3 friends, yes, my inner circle is only 3 friends, all my life I was raised with women, my father abandoned my mother and me when I was 6 years old, and he was in prison for a crime in which he was accused but that is a story for another day, the point is that I grew up with my grandmother and my grandfather, my mother was an absent mother and was never at home, she never shared time with me and my family made me hate my childhood, my aunts were the main ones along with their children, they despised me every chance they could, Because I don't have the same things as your children, I'll be honest with you, I don't remember almost anything about the supposed things that I had, but honestly I was one of those who never took money to school, the one who wore things that were of no use to others. and you know, from the age of 9 I began to change my perspective on the world, I had learning problems but after I was expelled for not having attended a mathematics exam due to getting sick and going to another school, I understood that I had to change everything and I matured. an apparently quick way, as a teenager I went through what normally happens, falling in love, having a girlfriend, etc., I won't say so many details so as not to get away from the main thing, but turning 15 my perspective on life changed again, I understood that love is not They are just nice words, good compliments, I had a relationship with a girl older than me, she was 17 and I was 15, I guess it's strange but depending on the colors haha, well in the end I was fooled by someone who had similarities to a character in a book, So you can see the reason was extremely stupid, that to this day I have the belief that age does not define your maturity, in short this affected me a lot and being the boom of 2020, it was worse, I fell ill with that, you already know My mother almost died, but thank God she is alive, well, I left high school and went to university, and then I moved on to what I am currently living, In September 2023 I was detected with profound depressive anxious syndrome. At first I thought it was a joke but when I investigated, the truth is my world changed for the third time. At that time I had a friend named Carmen. We will call her Carmen. Carmen has or had, I don't really know. I fought with her, because she left me to go to C0g3r, the truth is today I don't think it was a stupid reason to fight, I just wanted her to help me because of the situation I was in, I was very sad and I didn't I had someone to talk to, I told her and she left me like garbage waiting for her at my house to be able to talk to her, and honestly this changed my perspective on the ties with my friends, especially with my female friends, the Most of my female friends tend to say that all men are the same and that's typical. I'll be honest, we all sin equally, both men and women. I'll tell you something. I'm usually someone who's quite reserved with people. I don't talk much. I'm someone who's quite introverted. and I think I manage to create bonds with women easily, so I grew up with my grandmother, my older sister, and with an aunt on my mother's side, and I saw the mistreatment they do to her, but well, I got off the topic, he Anyway, I got into a fight with Carmen, and we haven't spoken in a while. She doesn't know it but the reason I called her was because I wanted to take my life, I think I didn't do it because I wasn't determined enough, I already had where and with what but I decided to ask for help but they denied it, that's why since I was little I did my things alone and the things that were difficult for me to do I did as best I could and if it turned out badly I learned from it and did it better the next time. I am currently on medication but I don't know what to do anymore, my friends give me recommendations about everything, and my psychiatrist and my psychologist help me with certain therapies, I have tried to change several habits to feel better but nothing works for me anymore, I wanted to resume my physical activity going to boxing, but since this is the penultimate year of my degree, which is an engineering that in itself is quite demanding of time and a mental effort due to many sleepless nights, I am on the verge of being admitted to a psychiatric hospital

i’ve been fantasizing about being alone with my kid and myself for months now. it’s actually heartbreaking.
i love my DH(34) so so so much. we’ve been together for going on 6 years at this point. met when SK10 was 3. now have a 2 1/2 yr old ours baby.
SK isn’t a bad kid AT ALL. he has basic manner, compassion, i believe he will have a good heart as an adult. there’s also a lot that needs work but he’s 10. but i’ve noticed over time we just don’t click. it’s probably a mixture of things that made it this way but that’s just the way it is. i don’t have love for him. i honestly rejoice everytime he’s at his moms and don’t miss him when he’s gone. we don’t share physical loving moments, or verbal either really. im pretty hands off with him, and like it that way. when he’s around he’s just too much for me. too overstimulating, talks too much, too loud, out of touch with reality with no real hobbies or interests cause he been on the damn screens since he was a toddler. i don’t really like him. he makes me cringe and i feel so bad saying this but he’s just … unclean to me. i don’t like when he touches me or our sons things. i dont want to share with him or spend my money on him ever. i see him as a product of his mother. i would never wish bad on him and want him to do well in life. i make sure to always ask him about his day or have small convos with him or offer advice. i make food he likes when he is here, include him in stuff. etc. i would never treat him badly though i don’t like him much.
it feels like a cloud is over my head when he’s here. an intruder.
i don’t want to be ripped to shreds for this , i just don’t know what to do. i don’t like his mother for the simple fact she’s a shit mother. she takes him on her time to dump him somewhere else. has gotten into 2 car accident with him. has gotten arrested for selling drugs at one point. hasn’t worked in 3 year. lives in a shitty ass place but somehow finds a way to always have her hair and nails done. she knows NOTHING about what’s going on at school with her child. hasn’t been to 1 sporting event for her kid. i hate that DH got a fuck buddy he was never into a relationship with pregnant and decided to keep it. the evil part of me is pissed he even asked her to come back to the state we’re in when SK was 2 because she took him away.
DH is great to me. treats both his children equally. prioritizes our relationship. he’s not a perfect human being but i do love him. i read some DH stories on this sub and am appalled cause mine would literally never. all in all i don’t have a bad situation.
so i find myself stuck. because i’m dreaming of a life where i’m alone with my kid. because with DH his kid has to come along too, and my perfect reality is just us not SK but that’s a horrible thing to even imagine. I hate this non nuclear family. When SK is gone it’s like a dream. When he’s with us i feel embarrassed.
then the cherry on top is this week we went to a dinner.. our friend said you guys having more kids? DH just blurts out oh absolutely not! it’s time to focus on us now. I have 2 already! and give me a hug and kiss. while i’m smiling awkwardly cause we honestly never really discussed this number 1 number 2 YOU have 2 kids.wtf . i did tell him no more kids for NOW but i also said when we have more money i would like another one.
I don’t want to split up for a reason i can’t even identify. I don’t want to share my son as he absolutely loves both of us. i fantasize about leaving but then i think of what usually would be good about that situation for me..more free time, a house the way i want it, dating again all i can think of is i just want my DH!!!
these feelings are hard and i need help navigating them.

My family has had cable all my life, but we've had to reevaluate our budget and decided that paying for an absolute barrage of Big Pharma's worst attempts at cinema was not where we wanted our money to go.
It's already feeling so freeing and peaceful without the same 5 lists of depressing-ass side effects and annoying songs (looking at you, Burger King) on unintended loop in the background.
All the shows we watch are on ad free streaming, with even more budget savings bc we're in a network of account sharers. Ah, this is the life 😎

I am a 21M who needs a bit of financial guidance as to my personal situation. Here are my current assets:
Checking/Savings(Day-to-Day Spending): 4k
HYSA(Emergency Fund): 20k at 4.3%
ROTH IRA: 14k invested solely in VTSAX
Individual Brokerage: 32k Currently UNINVESTED, 2k invested in individual stocks(playing around with this recent chip/tech boom)
Now for some details on my personal situation. I am currently living at home and attending community college full-time. I will be graduating with an AS(Business) this semester and transferring to a local state school for a degree in Finance this August. I have been lucky enough to have parents who are fine with me living at home, rent-free albeit, as long as I am attending school. Because of this situation, I was able to take advantage of working full-time for the past 1.5 years while saving pretty much every penny apart from necessities like gas, occasional bite out to eat, etc. I am very frugal and don't like spending $$$ on much as I grew up with parents who didn't have a dime to spend on much else apart from the mortgage and caring for the kids. I was laid off from this job due to a business closure at the beginning of the year, which sucked monetarily but also presented itself with some benefits. I have noticed a drastic change in my school performance - getting Bs and Cs prior, and now pretty much all As and much more peace of mind with my educational goals. However, I have picked up a part-time gig earning me about $400 a week which allows me to earn some $$ while not mega-stressing myself out by working 40-50 hours a week while in school.
My main concern now is handling my investments now that I will have to pay tuition(CC is free where I am), which is looking to be around 20k total over the next two years. Would it be a good idea to invest that 32k into VTSAX? Should I place that money elsewhere like a 401k? I am very invested in the concept of FIRE and would like to have financial independence so I want to make sure I am properly managing my own money.

Hello redditors of antiMLM,
Just this week, I received an email from a relation advertising FOREVER—not to be confused with Forever Living. Searching through this sub, I found a few short references over the last years with little detail. In one, a commentor described FOREVER stating "as mlms go, it seems ethical." Every red light went off while I looked into these “FOREVER Ambassadors.” I then began a search, with much of the ultimate work done by my spouse. It took longer than seemed acceptable to identify this MLM for people who glanced over the internet. FOREVER is not listed on any of the MLM databases I could find from this sub or elsewhere. Based on the mandatory “FOREVER Ambassador Community” on Facebook, now 8 years old, at least 2,500 people have gotten into their clutches at some point (I haven’t linked because I think it might be against the sub rules).
Thus, for the benefit and enjoyment of the people, here are references for the community to identify a yet-another-multi-level-marketing scheme. I am a sarcastic person, so be forewarned. All sources were publicly available and required no logins or access.
TABLE OF CONTENTS
(1) Background of the FOREVER business model
(2) The FOREVER Ambassador program
(3) Costs of serving as an Ambassador
(4) Compensation advertised for Ambassadors
(4a) Income in cash from personal sales
(4b) The downline system used by FOREVER
(4c) Non-monetary-achievement compensation
(5) FOREVER Ambassador Business Training
(6) Conclusion down to brass tax on FOREVER
STUDY OF FOREVER
(1) Background of the FOREVER business model
FOREVER is an online service that advertises it can be a “permanent digital home that lasts for many generations.”[1] This is to be accomplished via a so-called “FOREVER Guarantee Fund” that invests to pay for digital storage for over 100 years.[1] Their website promises me that “permanent” is “not a buzzword”—I think that’s the Platonian ideal of a buzzword.[1] Regardless, this is not a quality review post.
(2) The FOREVER Ambassador program
The sellers used by FOREVER are called “FOREVER Ambassadors.”[2] As advertised, it looks like a classic MLM pitch. You can “earn up to 35%” commission” while having “the freedom to work from home, and the flexibility to make money on your own schedule.”[2] FOREVER lists various opportunities, such as “trainings” and the ability to “learn and grow with friends,” as well as “make life-long friends.”[2] As part of the “Meet our Team” webpage for corporate FOREVER, there are multiple “Executive Ambassadors” listed.[3] There is no barrier to entry on experience required to become an Ambassador.[4] I observed that, throughout the internet and on the FOREVER website, the vast majority of Ambassadors are women—as you know, many MLMs target women and moms.
(3) Costs of serving as an Ambassador
FOREVER has, at minimum, an “Annual Ambassador Fee” that is the primary cost to entry of the program.[2] For $179 a year, one would receive “back office tools,” various marketing materials, and “countless opportunities”—maybe money, but more on that soon.[2] There is a link to an Ambassador’s own selling website.[5, at 22] This Ambassador fee “is subject to change over time.”[5, at 25] There is also a FOREVER Merchandise store where Ambassadors can get their supplies.[6] These include a 40-pack set of catalogs for $44.99 and a $144.99 tablecloth for potential customers during in-person events.[6]
For Ambassadors, FOREVER advertises there are “free training events.”[5, at 25] Each year, for $399 in 2024, Ambassadors can attend the 3-day “FOREVER Live!” event.[7] It is in the destination getaway of… next to their headquarters in Pittsburgh, PA (I’m sorry Pittsburgh, you’re a beautiful city).[5, at 24] It is also possible to pay for a “p2P Virtual Party” and “p2P Live Events,” but is unclear what those mean.[5, at 5] Various “ranks” of Ambassadors receive a “monthly stipend” starting at $25 a month after $15,000 total in personal plus team sales a year.[5, at 9]
(4) Compensation advertised for Ambassadors
(4a) Income in cash from personal sales
FOREVER pays its Ambassadors based on a “cash sales” versus “full sales” system.[5, at 5] The too-long-didn’t-read summary is that some products are paid less commission than others because of “margin” of different products.[5, at 5–6] Critically, the Personal Commission Rate is where our story kicks into gear. At the bottom, an Ambassador who sells less than $2,000 a year in sales receives the windfall of a 15% commission.[5, at 7] The number rises to 34% once sales are $90,000 or greater in one year (I don’t know where the 35% from earlier went).[5, at 7] However, to earn the 20% commission or more once one passes the $2,000 sales amount requires completion of the “FOREVER Ambassador Business (FAB) Training.”[5, at 7] I read it, more on that later.
You might ask, “Is there a sales quota for FOREVER® Ambassadors?” FOREVER says “no.”[8] However, the less one does the less FOREVER pays Ambassadors for what they do (this chart is older than the Compensation Guide cited).[8]
(4b) The downline system used by FOREVER
Of course, while it took forever to reach here, we come to the “downline” process—FOREVER’s words, not mine.[9] FOREVER immediately identified that new Ambassadors “choose another Ambassador to mentor you as you grow your business” (I do not know if this means an upline).[2] Nevertheless, “Team Sales” are compensated by FOREVER down to the 5th Line.[5, at 9] If an Ambassador does not build a team, then they do not earn Team Commissionable Cash Sales Commissions.[5, at 9] FOREVER states that getting new Ambassadors “to sign up under your name” is how you help “further your business.”[9]
However, even if an Ambassador builds a team, they receive a very restricted downline compensation if they do not make a minimum of personal sales.[5, at 9] For future reference, an “Associate Ambassador,” the bottom, makes less than $2,000 and earns no downline sales.[5, at 9] An “Ambassador,” second to last, is the first rank with a downline commission (4% for 1st Line), requiring $2,000/personal a year.[5, at 9] To reach “Senior Ambassador,” third to last, and above, a FOREVER Ambassador must start earning exponentially greater amounts of personal plus team sales to rise in the “ranks.”[5, at 9] A Senior Ambassador requires $8,000/personal but $15,000/gross, and is the first to get 2nd Line commission (4% for 1st Line and 2% for 2nd Line).[5, at 9] It is unclear to me if “new members” must be recruited “each month” to rankup—the website says so, but I see it nowhere in the Compensation Guide.[8]
At the top of hierarchy, there become two “Executive Ambassadors.”[5, at 9–10] These ranks start at $28,000/personal and $250,000/gross a year.[5, at 9] As well, one must have at least three “Team Leaders” in their 1st Line.[5, at 10] Team Leaders refers to Ambassadors who have themselves reached the rank of “Associate Lead Ambassador” ($12,000/personal and $30,000/gross).[5, at 9] FOREVER advertises that the Executive ranks are for—and I am not making this up—those Ambassadors who are “grooming FOREVER Leaders on your team below you.”[5, at 10] Irony is dead folks.
(4c) Non-monetary-achievement compensation
Because being paid to work is overrated, FOREVER will also provide “Additional Benefits” to its various ranks. As an Associate Ambassador, you can join the aforementioned Facebook Group and hear the CEO talk on a monthly phone call.[5, at 11] Regular Ambassadors also get a certificate to put on their wall.[5, at 11] Senior Ambassadors get a standing ovation at FOREVER Live!—you can even be ovated on stage as an Associate Lead Ambassador (I would pay $179 a year to not).[5, at 13–14] My observation is that a lot of ranks mostly provide additional types of standing ovations at FOREVER Live! and reserved seats for dinners there.
But then you can reach the pinnacle of Everest (that much like the real one, other people just carry you up there): the Million Dollar Club.[5, at 20] For making $1 million in personal and team sales in a year, one will earn a single $10,000 dollar bonus.[5, at 20] If you are then a “top-performing Ambassador,” one can be taken on the “Achievement Gathering,” to Jamaica in 2024, to mill around with other top-performing Ambassadors—and the corporate staff.[5, at 24] There is no mention how many people earn it or how much must be earned.[5, at 24]
(5) FOREVER Ambassador Business Training
I mentioned earlier that Ambassadors must complete a “FAB” training to receive more than 15% in commissions.[5, at 7] To hit this post home, I wanted to identify some highlights. The FAB training has 5 Steps to reach regular Ambassador status.[10, at 4] These Steps include such activities as “Meet with your Upline” (Step 1), “Connect with your Upline” (Step 2), “Meet with your Upline” (Step 3), “Meet with your Upline” (Step 4), and “Meet with your Upline” (Step 5).[10, at 7, 10, 12, 14, 16] You also have to join the FOREVER Facebook group and any created by your Team (just “ask your Upline” to find it).[10, at 6–7] There’s a task in Step 2 to create an introductory “Share List,” with five lines each for “Friends,” “Teachers,” and your own “Parents/Grandparents.”[10, at 7–9] For an unclear number of hours, you must attend multiple weekly and monthly “training opportunities” and “calls.”[10, at 6–7, 10] And one last item, to rank up in FOREVER, you must register for an upcoming event.[10, at 12] As of writing, the only one listed on the linked webpage is the $399 FOREVER Live! conference.[11]
(6) Conclusion down to brass tax on FOREVER
I was unable to find an Income Disclosure Statement for FOREVER. However, basic math tells us that an Associate Ambassador, the bottom, can only earn up to $300 a year.[5, at 11] To reach regular Ambassador, which includes signing up and beginning all the time sinks listed above, the maximum personal commission is $1,200, in addition to whatever downline (however big those are on average).[5, at 11] Without a downline, even the top-bracket personal sellers are the only ones to earn more than $30,000 a year.[5, at 7] The Federal Reserve Bank of St. Louis estimates that the Real Median Personal Income in the United States for 2022 was $40,480.[12]
There is one way to make it with FOREVER: to build a downline. It’s a multi-level-marketing scheme, and no one should join it. Unless of course, you want to join my downline—I promise you'll be rich just like me.
LIST OF REFERENCES
[1] “Our Story,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/our-story
[2] “Become a FOREVER Ambassador,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/opportunity
[3] “Meet Our Team,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/our-story/team
[4] “What is required of me as a FOREVER Ambassador?,” FOREVER.com Support (accessed May 18, 2024 [updated “2 years ago”]), https://support.forever.com/hc/en-us/articles/215823437-What-is-required-of-me-as-a-FOREVER-Ambassador
[5] Ambassador Compensation Guide, FOREVER (Jan. 31, 2024), https://www.forever.com/app/users/forevealbums/ambassador-kit/f3ii4wzeewd0nfwg4nb40kyw1/files/1043b0c6-de01-4aff-a1e3-83db7e6b1b17
[6] “FOREVER Merchandise,” FOREVER.com Ambassador Training (accessed May 18, 2024), https://www.training.forever.com/store
[7] “FOREVER Live! 2024,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/events/forever-live-2024
[8] “Is there a sales quota for FOREVER® Ambassadors?,” FOREVER.com Support (accessed May 18, 2024 [updated “2 years ago”]), https://support.forever.com/hc/en-us/articles/215142548-Is-there-a-sales-quota-for-FOREVER-Ambassadors
[9] “Downline,” FOREVER.com Support (accessed May 18, 2024 [updated “2 years ago”]), https://support.forever.com/hc/en-us/articles/221072448-Downline
[10] FOREVER Ambassador Business Training, FOREVER (May 14, 2024), https://www.forever.com/app/users/ambassador-training/albums/02-forever-ambassador-business-training-booklet/qcg622q43zy6835w9ojq3wkw/files/f0bd2387-bb14-43a2-a46d-344a91470147
[11] “Events,” FOREVER.com (accessed May 18, 2024), https://www.forever.com/events
[12] “Real Median Personal Income in the United States,” Federal Reserve of St. Louis (accessed May 18, 2024), https://fred.stlouisfed.org/series/MEPAINUSA672N
POST EDITS
A few formatting errors and a minor phrasing correction.

Everything in my inventory is up for trade. The most valuable items are listed here, the rest you can find in My Inventory

Feel free to Add Me or even better send a Trade Offer. Open for any suggestions: upgrades, downgrades / knives, gloves, skins / stickers, patterns, floats.

All Buyouts are listed in cash value.

KNIVES

★ Butterfly Knife Lore (Factory New), B/O: $7194.77

★ Butterfly Knife Autotronic (Minimal Wear), B/O: $2025.74

⎯

★ M9 Bayonet Ultraviolet (Field-Tested), B/O: $557.87

★ M9 Bayonet Stained (Well-Worn), B/O: $529.41

★ M9 Bayonet Boreal Forest (Field-Tested), B/O: $465.39

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★ Talon Knife Doppler (Factory New), B/O: $1295.27

★ Bayonet Tiger Tooth (Minimal Wear), B/O: $746.28

★ Karambit Bright Water (Field-Tested), B/O: $688.15

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★ Flip Knife Doppler (Factory New), B/O: $547.93

★ Flip Knife Autotronic (Minimal Wear), B/O: $476.69

★ Flip Knife Case Hardened (Battle-Scarred), B/O: $278.18

★ Flip Knife Black Laminate (Well-Worn), B/O: $258.83

★ Flip Knife Urban Masked (Field-Tested), B/O: $181.64

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★ Stiletto Knife Marble Fade (Factory New), B/O: $686.04

★ Stiletto Knife Doppler (Factory New), B/O: $665.41

★ Stiletto Knife, B/O: $601.39

★ Stiletto Knife Crimson Web (Field-Tested), B/O: $418.25

★ Stiletto Knife Night Stripe (Field-Tested), B/O: $227.80

★ Stiletto Knife Boreal Forest (Field-Tested), B/O: $194.96

★ Stiletto Knife Safari Mesh (Field-Tested), B/O: $192.79

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★ Nomad Knife Crimson Web (Field-Tested), B/O: $518.11

★ Nomad Knife Scorched (Field-Tested), B/O: $169.78

★ Nomad Knife Forest DDPAT (Battle-Scarred), B/O: $166.88

★ StatTrak™ Nomad Knife Blue Steel (Field-Tested), B/O: $335.79

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★ Skeleton Knife Stained (Well-Worn), B/O: $442.05

★ Skeleton Knife Urban Masked (Minimal Wear), B/O: $426.24

★ Skeleton Knife Boreal Forest (Field-Tested), B/O: $314.03

★ StatTrak™ Skeleton Knife Fade (Minimal Wear), B/O: $2361.28

★ StatTrak™ Skeleton Knife Urban Masked (Field-Tested), B/O: $376.53

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★ Ursus Knife Doppler (Factory New), B/O: $557.12

★ Ursus Knife, B/O: $471.42

★ Ursus Knife Blue Steel (Minimal Wear), B/O: $212.37

★ Ursus Knife Case Hardened (Battle-Scarred), B/O: $187.66

★ Ursus Knife Damascus Steel (Field-Tested), B/O: $178.18

★ Ursus Knife Ultraviolet (Battle-Scarred), B/O: $155.13

★ Ursus Knife Boreal Forest (Battle-Scarred), B/O: $124.26

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★ Huntsman Knife Black Laminate (Minimal Wear), B/O: $204.83

★ Huntsman Knife Black Laminate (Field-Tested), B/O: $184.50

★ StatTrak™ Huntsman Knife Lore (Battle-Scarred), B/O: $224.11

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★ Bowie Knife Gamma Doppler (Factory New), B/O: $2142.02

★ Bowie Knife, B/O: $230.44

★ Bowie Knife Damascus Steel (Factory New), B/O: $209.20

★ Bowie Knife Ultraviolet (Minimal Wear), B/O: $180.51

★ Bowie Knife Ultraviolet (Field-Tested), B/O: $131.03

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★ Falchion Knife Night (Field-Tested), B/O: $132.54

★ Falchion Knife Urban Masked (Well-Worn), B/O: $112.81

★ Falchion Knife Scorched (Field-Tested), B/O: $108.81

★ Falchion Knife Forest DDPAT (Field-Tested), B/O: $107.82

★ Falchion Knife Safari Mesh (Field-Tested), B/O: $107.46

★ StatTrak™ Falchion Knife Ultraviolet (Field-Tested), B/O: $143.08

⎯

★ Paracord Knife Crimson Web (Minimal Wear), B/O: $486.48

★ Paracord Knife Blue Steel (Battle-Scarred), B/O: $163.12

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★ Survival Knife Blue Steel (Battle-Scarred), B/O: $138.26

★ Survival Knife Night Stripe (Field-Tested), B/O: $131.03

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★ Gut Knife Sapphire (Minimal Wear), B/O: $1127.79

★ Gut Knife Gamma Doppler (Factory New), B/O: $286.17

★ Gut Knife Doppler (Factory New), B/O: $246.55

★ Gut Knife Marble Fade (Factory New), B/O: $240.77

★ Gut Knife, B/O: $210.49

★ Gut Knife Lore (Field-Tested), B/O: $194.22

★ Gut Knife Case Hardened (Battle-Scarred), B/O: $151.51

★ Gut Knife Blue Steel (Minimal Wear), B/O: $124.94

★ Gut Knife Rust Coat (Well-Worn), B/O: $118.99

★ Gut Knife Boreal Forest (Minimal Wear), B/O: $109.80

★ StatTrak™ Gut Knife Doppler (Factory New), B/O: $237.96

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★ Shadow Daggers Gamma Doppler (Factory New), B/O: $264.92

★ Shadow Daggers Marble Fade (Factory New), B/O: $253.03

★ Shadow Daggers Tiger Tooth (Factory New), B/O: $237.22

★ Shadow Daggers Crimson Web (Field-Tested), B/O: $153.40

★ Shadow Daggers Autotronic (Minimal Wear), B/O: $144.42

★ Shadow Daggers Blue Steel (Field-Tested), B/O: $105.20

★ StatTrak™ Shadow Daggers Damascus Steel (Minimal Wear), B/O: $150.46

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★ Navaja Knife Fade (Factory New), B/O: $365.99

★ Navaja Knife Doppler (Factory New), B/O: $228.93

★ Navaja Knife Marble Fade (Factory New), B/O: $227.43

★ Navaja Knife Slaughter (Factory New), B/O: $209.06

★ Navaja Knife, B/O: $203.16

★ Navaja Knife Case Hardened (Well-Worn), B/O: $132.57

★ Navaja Knife Damascus Steel (Factory New), B/O: $121.69

★ Navaja Knife Damascus Steel (Minimal Wear), B/O: $109.95

★ Navaja Knife Damascus Steel (Field-Tested), B/O: $100.41

★ StatTrak™ Navaja Knife Fade (Factory New), B/O: $369.01

★ StatTrak™ Navaja Knife Damascus Steel (Field-Tested), B/O: $109.95

GLOVES

★ Sport Gloves Amphibious (Minimal Wear), B/O: $2394.67

★ Sport Gloves Omega (Well-Worn), B/O: $572.33

★ Sport Gloves Bronze Morph (Minimal Wear), B/O: $338.88

★ Sport Gloves Big Game (Field-Tested), B/O: $323.66

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★ Specialist Gloves Marble Fade (Minimal Wear), B/O: $1652.07

★ Specialist Gloves Tiger Strike (Field-Tested), B/O: $599.14

★ Specialist Gloves Crimson Web (Well-Worn), B/O: $231.57

★ Specialist Gloves Buckshot (Minimal Wear), B/O: $126.21

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★ Moto Gloves POW! (Minimal Wear), B/O: $996.99

★ Moto Gloves POW! (Field-Tested), B/O: $383.31

★ Moto Gloves POW! (Well-Worn), B/O: $276.00

★ Moto Gloves Turtle (Field-Tested), B/O: $180.28

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★ Hand Wraps CAUTION! (Minimal Wear), B/O: $502.29

★ Hand Wraps Giraffe (Minimal Wear), B/O: $180.73

★ Hand Wraps CAUTION! (Battle-Scarred), B/O: $178.32

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★ Driver Gloves Queen Jaguar (Minimal Wear), B/O: $181.01

★ Driver Gloves Rezan the Red (Field-Tested), B/O: $101.66

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★ Broken Fang Gloves Jade (Field-Tested), B/O: $127.88

★ Broken Fang Gloves Needle Point (Minimal Wear), B/O: $124.55

⎯

★ Bloodhound Gloves Guerrilla (Minimal Wear), B/O: $127.94

★ Hydra Gloves Case Hardened (Field-Tested), B/O: $102.55

WEAPONS

AK-47 X-Ray (Well-Worn), B/O: $478.95

AUG Hot Rod (Factory New), B/O: $425.83

StatTrak™ M4A1-S Hyper Beast (Factory New), B/O: $413.95

M4A4 Daybreak (Factory New), B/O: $309.51

StatTrak™ AK-47 Aquamarine Revenge (Factory New), B/O: $305.43

AK-47 Case Hardened (Well-Worn), B/O: $196.38

StatTrak™ M4A4 Temukau (Minimal Wear), B/O: $174.64

P90 Run and Hide (Field-Tested), B/O: $167.03

AWP Asiimov (Field-Tested), B/O: $153.33

Souvenir SSG 08 Death Strike (Minimal Wear), B/O: $140.00

M4A1-S Printstream (Battle-Scarred), B/O: $124.70

StatTrak™ M4A1-S Golden Coil (Field-Tested), B/O: $117.48

AWP Asiimov (Well-Worn), B/O: $115.97

StatTrak™ Desert Eagle Printstream (Minimal Wear), B/O: $112.96

StatTrak™ AK-47 Asiimov (Minimal Wear), B/O: $110.85

Souvenir M4A1-S Master Piece (Well-Worn), B/O: $102.42

AK-47 Bloodsport (Minimal Wear), B/O: $100.53

Trade Offer Link - Steam Profile Link - My Inventory

Knives - Bowie Knife, Butterfly Knife, Falchion Knife, Flip Knife, Gut Knife, Huntsman Knife, M9 Bayonet, Bayonet, Karambit, Shadow Daggers, Stiletto Knife, Ursus Knife, Navaja Knife, Talon Knife, Classic Knife, Paracord Knife, Survival Knife, Nomad Knife, Skeleton Knife, Patterns - Gamma Doppler, Doppler (Phase 1, Phase 2, Phase 3, Phase 4, Black Pearl, Sapphire, Ruby, Emerald), Crimson Web, Lore, Fade, Ultraviolet, Night, Marble Fade (Fire & Ice, Fake FI), Case Hardened (Blue Gem), Autotronic, Slaughter, Black Laminate, Tiger Tooth, Boreal Forest, Scorched, Blue Steel, Vanilla, Damascus Steel, Forest DDPAT, Urban Masked, Freehand, Stained, Bright Water, Safari Mesh, Rust Coat, Gloves - Bloodhound Gloves (Charred, Snakebite, Guerrilla, Bronzed), Driver Gloves (Snow Leopard, King Snake, Crimson Weave, Imperial Plaid, Black Tie, Lunar Weave, Diamondback, Rezan the Red, Overtake, Queen Jaguar, Convoy, Racing Green), Hand Wraps (Cobalt Skulls, CAUTION!, Overprint, Slaughter, Leather, Giraffe, Badlands, Spruce DDPAT, Arboreal, Constrictor, Desert Shamagh, Duct Tape), Moto Gloves (Spearmint, POW!, Cool Mint, Smoke Out, Finish Line, Polygon, Blood Pressure, Turtle, Boom!, Eclipse, 3rd Commando Company, Transport), Specialist Gloves (Crimson Kimono, Tiger Strike, Emerald Web, Field Agent, Marble Fade, Fade, Foundation, Lt. Commander, Crimson Web, Mogul, Forest DDPAT, Buckshot), Sport Gloves (Pandora's Box, Superconductor, Hedge Maze, Vice, Amphibious, Slingshot, Omega, Arid, Big Game, Nocts, Scarlet Shamagh, Bronze Morph), Hydra Gloves (Case Hardened, Emerald, Rattler, Mangrove), Broken Fang Gloves (Jade, Yellow-banded, Unhinged, Needle Point), Pistols - P2000 (Wicked Sick, Ocean Foam, Fire Element, Amber Fade, Corticera, Chainmail, Imperial Dragon, Obsidian, Scorpion, Handgun, Acid Etched), USP-S (Printstream, Kill Confirmed, Whiteout, Road Rash, Owergrowth, The Traitor, Neo-Noir, Dark Water, Orion, Blueprint, Stainless, Caiman, Serum, Monster Mashup, Royal Blue, Ancient Visions, Cortex, Orange Anolis, Ticket To Hell, Black Lotus, Cyrex, Check Engine, Guardian, Purple DDPAT, Torque, Blood Tiger, Flashback, Business Class, Pathfinder, Para Green), Lead Conduit, Glock-18 (Ramese's Reach, Umbral Rabbit, Fade, Candy Apple, Bullet Queen, Synth Leaf, Neo-Noir, Nuclear Garden, Dragon Tatto, Reactor, Pink DDPAT, Twilight Galaxy, Sand Dune, Groundwater, Blue Fissure, Snack Attack, Water Elemental, Brass, Wasteland Rebel, Vogue, Franklin, Royal Legion, Gamma Doppler, Weasel, Steel Disruption, Ironwork, Grinder, High Beam, Moonrise, Oxide Blaze, Bunsen Burner, Clear Polymer, Bunsen Burner, Night), P250 (Apep's Curse, Re.built, Nuclear Threat, Modern Hunter, Splash, Whiteout, Vino Primo, Mehndi, Asiimov, Visions, Undertow, Cartel, See Ya Later, Gunsmoke, Splash, Digital Architect, Muertos, Red Rock, Bengal Tiger, Crimson Kimono, Wingshot, Metallic DDPAT, Hive, Dark Filigree, Mint Kimono), Five-Seven (Neon Kimono, Berries And Cherries, Fall Hazard, Crimson Blossom, Hyper Beast, Nitro, Fairy Tale, Case Hardened, Copper Galaxy, Angry Mob, Monkey Business, Fowl Play, Anodized Gunmetal, Hot Shot, Retrobution, Boost Protocol), CZ75-Auto (Chalice, Crimson Web, Emerald Quartz, The Fuschia is Now, Nitro, Xiangliu, Yellow Jacket, Victoria, Poison Dart, Syndicate, Eco, Hexane, Pole, Tigris), Tec-9 (Mummy's Rot, Rebel, Terrace, Nuclear Threat, Hades, Rust Leaf, Decimator, Blast From, Orange Murano, Toxic, Fuel Injector, Remote Control, Bamboo Forest, Isaac, Avalanche, Brother, Re-Entry, Blue Titanium, Bamboozle), R8 Revolver (Banana Cannon, Fade, Blaze, Crimson Web, Liama Cannon, Crazy 8, Reboot, Canal Spray, Night, Amber Fade), Desert Eagle (Blaze, Hand Cannon, Fennec Fox, Sunset Storm, Emerald Jörmungandr, Pilot, Hypnotic, Golden Koi, Printstream, Cobalt Disruption, Code Red, Ocean Drive, Midnight Storm, Kumicho Dragon, Crimson Web, Heirloom, Night Heist, Mecha Industries, Night, Conspiracy, Trigger Discipline, Naga, Directive, Light Rail), Dual Berettas (Flora Carnivora, Duelist, Cobra Strike, Black Limba, Emerald, Hemoglobin, Twin Turbo, Marina, Melondrama, Pyre, Retribution, Briar, Dezastre, Royal Consorts, Urban Shock, Dualing Dragons, Panther, Balance), Rifles - Galil (Aqua Terrace, Winter Forest, Chatterbox, Sugar Rush, Pheonix Blacklight, CAUTION!, Orange DDPAT, Cerberus, Dusk Ruins, Eco, Chromatic Aberration, Stone Cold, Tuxedo, Sandstorm, Shattered, Urban Rubble, Rocket Pop, Kami, Crimson Tsunami, Connexion), SCAR-20 (Fragments, Brass, Cyrex, Palm, Splash Jam, Cardiac, Emerald, Crimson Web, Magna Carta, Stone Mosaico, Bloodsport, Enforcer), AWP (Black Nile, Duality, Gungnir, Dragon Lore, Prince, Medusa, Desert Hydra, Fade, Lightning Strike, Oni Taiji, Silk Tiger, Graphite, Chromatic Aberration, Asiimov, Snake Camo, Boom, Containment Breach, Wildfire, Redline, Electric Hive, Hyper Beast, Neo-Noir, Man-o'-war, Pink DDPAT, Corticera, Sun in Leo, Elite Build, Fever Dream, Atheris, Mortis, PAW, Exoskeleton, Worm God, POP AWP, Phobos, Acheron, Pit Viper, Capillary, Safari Mesh), AK-47 (Steel Delta, Head Shot, Wild Lotus, Gold Arabesque, X-Ray, Fire Serpent, Hydroponic, Panthera Onca, Case Hardened, Vulcan, Jet Set, Fuel Injector, Bloodsport, Nightwish, First Class, Neon Rider, Asiimov, Red Laminate, Aquamarine Revenge, The Empress, Wasteland Rebel, Jaguar, Black Laminate, Leet Museo, Neon Revolution, Redline, Frontside Misty, Predator, Legion of Anubis, Point Disarray, Orbit Mk01, Blue Laminate, Green Laminate, Emerald Pinstripe, Cartel, Phantom Disruptor, Jungle Spray, Safety Net, Rat Rod, Baroque Purple, Slate, Elite Build, Uncharted, Safari Mesh), FAMAS (Waters of Nephthys, Sundown, Prime Conspiracy, Afterimage, Commemoration, Dark Water, Spitfire, Pulse, Eye of Athena, Meltdown, Rapid Eye Move, Roll Cage, Styx, Mecha Industrie, Djinn, ZX Spectron, Valence, Neural Net, Night Borre, Hexne), M4A4 (Eye of Horus, Temukau, Howl, Poseidon, Asiimov, Daybreak, Hellfire, Zirka, Red DDPAT, Radiation Hazard, Modern Hunter, The Emperor, The Coalition, Bullet Rain, Cyber Security, X-Ray, Dark Blossom, Buzz Kill, In Living Color, Neo-Noir, Desolate Space, 龍王 (Dragon King), Royal Paladin, The Battlestar, Global Offensive, Tooth Fairy, Desert-Strike, Griffin, Evil Daimyo, Spider Lily, Converter), M4A1-S (Emphorosaur-S, Welcome to the Jungle, Imminent Danger, Knight, Hot Rod, Icarus Fell, Blue Phosphor, Printstream, Master Piece, Dark Water, Golden Coil, Bright Water, Player Two, Atomic Alloy, Guardian, Chantico's Fire, Hyper Beast, Mecha Industries, Cyrex, Control Panel, Moss Quartz, Nightmare, Decimator, Leaded Glass, Basilisk, Blood Tiger, Briefing, Night Terror, Nitro, VariCamo, Flashback), SG 553 (Cyberforce, Hazard Pay, Bulldozer, Integrale, Dragon Tech, Ultraviolet, Colony IV, Hypnotic, Cyrex, Candy Apple, Barricade, Pulse), SSG 08 (Death Strike, Sea Calico, Blood in the Water, Orange Filigree, Dragonfire, Big Iron, Bloodshot, Detour, Turbo Peek, Red Stone), AUG (Akihabara Accept, Flame Jörmungandr, Hot Rod, Midnight Lily, Sand Storm, Carved Jade, Wings, Anodized Navy, Death by Puppy, Torque, Bengal Tiger, Chameleon, Fleet Flock, Random Access, Momentum, Syd Mead, Stymphalian, Arctic Wolf, Aristocrat, Navy Murano), G3SG1 (Chronos, Violet Murano, Flux, Demeter, Orange Kimono, The Executioner, Green Apple, Arctic Polar Camo, Contractor), SMGs - P90 (ScaraB Rush, Neoqueen, Astral Jörmungandr, Run and Hide, Emerald Dragon, Cold Blooded, Death by Kitty, Baroque Red, Vent Rush, Blind Spot, Asiimov, Trigon, Sunset Lily, Death Grip, Leather, Nostalgia, Fallout Warning, Tiger Pit, Schermatic, Virus, Shapewood, Glacier Mesh, Shallow Grave, Chopper, Desert Warfare), MAC-10 (Sakkaku, Hot Snakes, Copper Borre, Red Filigree, Gold Brick, Graven, Case Hardened, Stalker, Amber Fade, Neon Rider, Tatter, Curse, Propaganda, Nuclear Garden, Disco Tech, Toybox, Heat, Indigo), UMP-45 (Wild Child, Fade, Blaze, Day Lily, Minotaur's Labyrinth, Crime Scene, Caramel, Bone Pile, Momentum, Primal Saber), MP7 (Teal Blossom, Fade, Nemesis, Whiteout, Asterion, Bloosport, Abyssal Apparition, Full Stop, Special Delivery, Neon Ply, Asterion, Ocean Foam, Powercore, Scorched, Impire), PP-Bizon (Modern Hunter, Rust Coat, Forest Leaves, Antique, High Roller, Blue Streak, Seabird, Judgement of Anubis, Bamboo Print, Embargo, Chemical Green, Coblat Halftone, Fuel Rod, Photic Zone, Irradiated Alert, Carbon Fiber), MP9 (Featherweight, Wild Lily, Pandora's Box, Stained Glass, Bulldozer, Dark Age, Hot Rod, Hypnotic, Hydra, Rose Iron, Music Box, Setting Sun, Food Chain, Airlock, Mount Fuji, Starlight Protector, Ruby Poison Dart, Deadly Poison), MP5-SD (Liquidation, Oxide Oasis, Phosphor, Nitro, Agent, Autumn Twilly), Shotguns, Machineguns - Sawed-Off (Kiss♥Love, First Class, Orange DDPAT, Rust Coat, The Kraken, Devourer, Mosaico, Wasteland Princess, Bamboo Shadow, Copper, Serenity, Limelight, Apocalypto), XM1014 (Frost Borre, Ancient Lore, Red Leather, Elegant Vines, Banana Leaf, Jungle, Urban Perforated, Grassland, Blaze Orange, Heaven Guard, VariCamo Blue, Entombed, XOXO, Seasons, Tranquility, Bone Machine, Incinegator, Teclu Burner, Black Tie, Zombie Offensive, Watchdog), Nova (Sobek's Bite, Baroque Orange, Hyper Beast, Green Apple, Antique, Modern Hunter, Walnut, Forest Leaves, Graphite, Blaze Orange, Rising Skull, Tempest, Bloomstick, Interlock, Quick Sand, Moon in Libra, Clean Polymer, Red Quartz, Toy Soldier), MAG-7 (Copper Coated, Insomnia, Cinqueda, Counter Terrace, Prism Terrace, Memento, Chainmail, Hazard, Justice, Bulldozer, Silver, Core Breach, Firestarter, Praetorian, Heat, Hard Water, Monster Call, BI83 Spectrum, SWAG-7), M249 (Humidor, Shipping Forecast, Blizzard Marbleized, Downtown, Jungle DDPAT, Nebula Crusader, Impact Drill, Emerald Poison Dart), Negev (Mjölnir, Anodized Navy, Palm, Power Loader, Bratatat, CaliCamo, Phoenix Stencil, Infrastructure, Boroque Sand), Wear - Factory New (FN), Minimal Wear (MW), Field-Tested (FT), Well-Worn (WW), Battle-Scarred (BS), Stickers Holo/Foil/Gold - Katowice 2014, Krakow 2017, Howling Dawn, Katowice 2015, Crown, London 2018, Cologne 2014, Boston 2018, Atlanta 2017, Cluj-Napoca 2015, DreamHack 2014, King on the Field, Harp of War, Winged Difuser, Cologne 2016, Cologne 2015, MLG Columbus 2016, Katowice 2019, Berlin 2019, RMR 2020, Stockholm 2021, Antwerp 2022, Paris 2023, Swag Foil, Flammable foil, Others - Souvenirs, Agents, Pins, Passes, Gifts, Music Kits, Cases, Keys, Capsules, Packages, Patches

Some items on the list may no longer be available or are still locked, visit My Inventory for more details.

Send a Trade Offer for fastest response. I consider all offers.

Add me for discuss if there is a serious offer that needs to be discussed.

note: sorry if this post is poorly formatted, first time poster
I [M 21] am the youngest of three siblings in a household with recently divorced parents. It’s currently an awkward living situation where my father, mother, I, and soon my sister are living in the same house so as to cut costs (my older sister is a fulltime student, and my brother is living his own life. I commute from the house to both college and my full-time internship), as well as because there’s still a chunk of mortgage left to pay ($130,000). I’ve been seeing the divorce weigh heavily on my father and his health, and I really want to pay the house off so he and my mother can go on their separate ways as quickly as possible. This is the first year I’ve been working full-time while doing school, and my annual salary is about 40k after tax, and will jump to 55k after tax during the full time summer internship. I’ve just graduated with a bachelor’s in Finance, but want to continue for my Master’s in Accounting so I’ll be going to school still for the next year (last year until I graduate with a Master’s). It’s currently being paid for with a full scholarship, so I want to finish my fourth year because it’ll complete my schooling for free. I currently have 22k saved distributed in an HYSA (10k), Roth-IRA (5k), mutual funds account (5k), and stocks (2k).
My guaranteed future cash flow will come from the following until I graduate with my Master’s degree.
~14k from fulltime summer internship 2k stipend from fulltime summer internship 8k stipend from scholarship
Any thoughts of what I should or could be doing differently? I’m planning on getting a full-time job during my master’s degree, but I honestly don’t know how I’m going survive the workload alongside 4 graduate degree classes per semester. Any financial advice would be appreciated, as I’m quite new to all of this. Thank you.
Edit: in my haste, I forgot to mention other key facts, but generally my father doesn’t like to divulge information about his income, so all I can say is that the mortgage hasn’t been paid fully in the 8 years we’ve been living in this house, and that it was originally a 350k house that is now worth 600k. There is 130k left in mortgage payments, and once it’s paid off my father plans to sell the house, either to one of his sons (if we have the money for the down payment) or on the market, paying my mother what he owes her, and living his own life with the rest of the money (generally speaking 400k).
I’m wanting to be able to pay off the house, but unsure of buying it because of all of the talk about how the housing market is ass, and that it would be an expensive purchase for someone who would live alone for the next couple of years in a house with a master bedroom and 3 other bedrooms.

Best Offshore Sportsbook for 2024

Offshore Sportsbooks: Competitive Odds, Diverse Markets, and Freedom to Wager

What Sets Offshore Sportsbooks Apart?
The landscape of sports betting is rapidly evolving, with offshore sportsbooks emerging as a compelling alternative for wagerers. But what exactly are they, and how do they differ from their state-licensed counterparts?
Offshore sportsbooks operate under licenses issued by international regulators, often situated in countries like Costa Rica, Curacao, or Panama. These licenses empower them to cater to customers across numerous jurisdictions, including the US. In essence, this translates to a broader regulatory framework compared to state-by-state restrictions.
Safety and Security: Top Priorities for Offshore Sportsbooks
Security is paramount for any online betting platform. Fortunately, reputable offshore sportsbooks prioritize this aspect. They undergo rigorous licensing procedures, compelling them to demonstrate fair play, robust security measures, and responsible customer protection protocols. This ensures a safe and secure environment for you to wager on your favorite sports.
Beyond the Basics: Unmatched Selection and Competitive Advantages
The best offshore sportsbooks go beyond merely replicating the offerings of state-licensed operators. They often provide a wider array of betting options, competitive odds, and potentially more lucrative bonuses and promotions. This translates to a more dynamic and potentially rewarding betting experience.
So, Are Offshore Sportsbooks Right for You?
The decision ultimately rests on your individual preferences and priorities. Offshore sportsbooks provide a compelling option for those seeking diverse betting markets, competitive odds, and the freedom to wager on their terms. However, it's crucial to choose well-established and reputable platforms that prioritize safety and fair play.

Why Bet at Offshore Sportsbooks

The allure of offshore sportsbooks is undeniable. But what exactly makes them so popular among bettors? Here's a breakdown of the key benefits that keep users coming back for more:

• Boosted Bankrolls: Bigger Bonuses & Regular Promos

Offshore sportsbooks are renowned for their generous bonuses and promotions. New user signup bonuses can reach into the thousands, especially when using cryptocurrency. Plus, there's a constant stream of ongoing promotions throughout the month, maximizing your betting potential.

• Fast and Secure Banking: The Power of Crypto

Cryptocurrency deposits and withdrawals are a staple at offshore sportsbooks. Enjoy the ease of swift transactions with minimal processing times, and in some cases, even instant payouts.

• Wagering Freedom: Available in Most States & No Geolocation Hassles

Unlike state-licensed operators, offshore sportsbooks bypass geolocation restrictions. This means you can wager freely from most US states, without any limitations.

• Keeping Your Winnings: No Taxes Withheld

Federal regulations require licensed operators to report winnings exceeding a certain threshold and withhold taxes accordingly. Offshore sportsbooks, however, don't report winnings to the IRS, leaving you in control of your tax obligations.

• Enhanced Odds: Lower Costs, Better Returns

Offshore sportsbooks benefit from lower operational costs due to the absence of state taxes. These savings translate into more competitive odds for you, potentially increasing your returns.

• Diverse Betting Options

Beyond the perks mentioned above, offshore sportsbooks often boast a wider selection of betting markets compared to their state-regulated counterparts. This allows you to place wagers on a broader range of events and explore new betting opportunities.

Offshore Sportsbook Bonuses: Bigger Bankrolls, Better Bets

Offshore sportsbooks have carved a niche in the betting landscape, and a major reason for their popularity lies in their enticing bonus structures. Unlike state-licensed operators, offshore sportsbooks offer a wider array of bonuses with significantly higher values. Let's delve into the treasure trove of bonuses that await you:

• Welcome Offers: A Kickstart for Your Betting Journey

Signing up at an offshore sportsbook unlocks a generous welcome bonus, typically a deposit match bonus. This bonus essentially matches a percentage of your initial deposit, potentially doubling your bankroll right from the start. Some welcome packages might even include free bets or bonus bets, further amplifying your betting power.

• Deposit Match Bonuses: Fueling Your Bets with Extra Cash

A staple in the world of offshore sportsbook bonuses, deposit match bonuses are straightforward and rewarding. The sportsbook matches your deposit by a predefined percentage, up to a specified maximum amount. For instance, a 100% deposit match bonus up to $500 would double your initial deposit, providing you with an extra $500 to wager on.

• No Deposit Bonuses: Free Money, Free Play

Considered the holy grail of sportsbook bonuses, no deposit bonuses are rare gems. These bonuses grant you free credit to use at the sportsbook, allowing you to place bets without risking your own funds. While the credit amount might be modest, it's a fantastic opportunity to try out the platform and potentially turn it into real winnings.

• Bonus Bets: Taking a Free Shot at Victory

Bonus bets, often part of welcome packages or bundled with deposit match bonuses, are essentially free wagers. Any winnings accrued from a bonus bet (minus the initial stake) are yours to keep. Imagine a $25 bonus bet that wins you $75; you'd pocket a cool $50 in profit!

• Ongoing Promotions: A Stream of Rewards for Loyal Bettors

The party doesn't stop at the welcome bonus. Offshore sportsbooks keep their customers engaged with a steady stream of ongoing promotions. These can encompass deposit bonuses, bonus bets, special event wagers, parlay offers, and the ever-popular odds boosts.

• Odds Boosts: Enhanced Profits for Savvy Bettors

Odds boosts elevate the potential payout on specific wagers, increasing your earning potential. These are typically offered for marquee events or specific bet types within an event or sport.

• Parlay Insurance: A Safety Net for Your Multi-Leg Wagers

A parlay bet combines multiple wagers (legs) into a single bet. Parlay insurance softens the blow of losing a parlay by just one leg. While you won't receive your full winnings, you might get your original stake or a portion of it back, mitigating your losses.

• Loyalty Bonuses: Reap the Rewards of Being a Regular

Engaging with a sportsbook's loyalty program unlocks exclusive bonuses not available to casual bettors. These bonuses can mirror any of the previously mentioned options or even extend to real-world rewards like tickets to sporting events.
By understanding and leveraging the diverse array of offshore sportsbook bonuses, you can significantly enhance your bankroll, explore new betting opportunities, and potentially maximize your profits. Remember to explore various sportsbooks and compare their bonus structures to find the one that best suits your betting preferences.

Offshore Sports Betting in the US: A Comprehensive Guide

The world of sports betting is rapidly evolving, and offshore sportsbooks have emerged as a compelling option for American bettors. But with so much information to navigate, it's crucial to understand the legalities, accessibility, and benefits of offshore wagering.
Is Offshore Sports Betting Legal in the US?
The legality of offshore sports betting hinges on two key factors:

• PASPA Repeal: In 2018, the Professional and Amateur Sports Protection Act (PASPA) was repealed, giving individual states the authority to regulate sports gambling within their borders. Many states have since legalized and launched their own sports betting markets.
• Federal Laws: There are currently no federal laws prohibiting US citizens from wagering at offshore sportsbooks. These entities operate under licenses issued by international gaming authorities, allowing them to serve customers in the US.

The Mobile Advantage: Betting on the Go
While you won't find dedicated apps for offshore sportsbooks, all our recommended operators offer seamless mobile betting through their websites. Simply visit the site on your smartphone or tablet, sign up, deposit funds, and start placing wagers. These mobile platforms are designed for optimal functionality and provide an experience comparable to dedicated apps.
Finding the Right Offshore Sportsbook
With numerous offshore sportsbooks catering to US players, choosing the best fit requires careful consideration. Here are some factors to keep in mind:

• Reputation and Licensing: Look for established sportsbooks with licenses from reputable gaming jurisdictions like Curacao. These licenses ensure fair play, security measures, and responsible gambling practices.
• Betting Markets and Odds: Explore the variety of sports and events offered, along with the competitiveness of the odds. Top offshore sportsbooks boast a wide range of markets and attractive odds for bettors.
• Bonuses and Promotions: Take advantage of generous welcome bonuses, reload promotions, and ongoing loyalty programs to maximize your bankroll and potential returns.

Some of the highly-rated offshore sportsbooks for US players include BetOnline, Everygame, Bovada, BetWhale, and TG Casino. Popular alternatives encompass Jazz Sports, SportsBetting.ag, BetUS, and BetNow.
Taxes and Reporting:

• Offshore Sportsbooks: Offshore sportsbooks themselves do not report winnings to the IRS. However,
• US Taxpayers: It's your responsibility to report gambling winnings to the IRS and your state tax authorities. Consulting a tax professional is recommended to ensure compliance with all applicable regulations.

Funding Your Bets: Payment Methods
Offshore sportsbooks typically provide two main deposit and withdrawal options:

• Cryptocurrency: Cryptocurrencies like Bitcoin, Ethereum, and Litecoin offer fast, fee-free transactions (excluding minimal mining fees) and eliminate the need for third-party involvement.
• Traditional Methods: Credit/debit cards are convenient but may incur fees and are not always suitable for withdrawals. Bank wire transfers are another option, but often come with high processing fees.

Important Note: As of now, offshore sportsbooks do not accept PayPal or other popular eWallets (Neteller, Skrill) due to limitations imposed by these payment processors.
By understanding the legalities, mobile accessibility, key considerations for choosing a sportsbook, and payment methods, you can confidently navigate the world of offshore sports betting in the US. Remember to gamble responsibly and always prioritize licensed and reputable platforms.

Ready to Start Betting?

Top Offshore Sportsbooks for 2024

1. Bovada – Best Online Sportsbook for US customers

• Why #1: Closest offshore site to Fanduel & Draftkings
• Founded: 2011
• Licensed by: Curacao
• Payment Methods: 6+ cryptocurrencies, credit/debit cards, courier, wire transfer, vouchers
• Withdrawal Speed: Instant to 24h
• Restricted States: DE, MD, NV, NJ, NY
• Promo Code: BTCSWB750 = 75% First Deposit Bonus to $750

See current Bovada new customers promotions HERE

2. MyBookie – Fast mobile betting & lots of promotions

• Why #2: Prop bets and more props added constantly
• Founded: 2014
• Licensed by: Curacao
• Payment Methods: 10 cryptocurrencies, credit/debit cards, person2person
• Withdrawal Speed: 48-72 hours
• Restricted States: DE, MD, NV, NJ, NY
• Promo Code: CRYPTO100 = 100% Bonus to $1,000

See current MyBookie new customer promotions HERE

3. SportsBetting.ag – Operates in all 50 states

• Why #3: 100% welcome bonus & travel anywhere & still bet
• Founded: 2003
• Licensed by: Panama Gambling Control Board
• Payment Methods: 15+ cryptocurrencies, credit/debit cards, person2person, money orders, wire transfers, checks
• Withdrawal Speed: 24-48 hours
• Restricted States: None
• Promo Code: DOUBLEUP = 100% Bonus to $500 use 2x

See current Sportsbetting ag new customer promotions HERE

4. BetOnline – Clone of Sportsbetting ag but not as good of a welcome bonus

• Why #4: Casino, poker, esports, racebook - bet everything
• Founded: 2001
• Licensed by: Panama Gaming Commission
• Payment Methods: 15+ cryptocurrencies, credit/debit cards, money orders, wire transfers
• Withdrawal Speed: Instant to 48h
• Restricted States: NJ
• Promo Code: CRYTPO100 = 100% Bonus to $1,000

See current BetOnline new customer promotions HERE

5. XBet – MyBookie clone for lower limit bettors

• Why #5: Lower limits & rewards program designed for smaller bettors
• Founded: 2014
• Licensed by: Curacao
• Payment Methods: 10 cryptocurrencies, credit/debit cards, person2person
• Withdrawal Speed: 48 hours
• Restricted States: NY, NJ, NV, PA
• Promo Code: XBET50 = 50% First Deposit Bonus to $500

See current XBET new customer promotions HERE

These last two Sportsbooks are more for higher limit bettors

1. BetUS – High limits on sides and totals

• Why #1: If you want to make a living betting you need high limits
• Founded: 1994
• Licensed by: Curacao
• Payment Methods: 4 cryptocurrencies, credit/debit cards, cash transfers, wire transfers, ewallets
• Withdrawal Speed: 24-48 hours
• Restricted States: None
• Promo Code: JOIN200 = 200% up to $5,000

See current BetUS new customer promotions HERE

2. BUSR – High limits and a $2,500 welcome bonus

• Why #2: US focused on major sports and horse betting
• Founded: 2020
• Licensed by: Curacao
• Payment Methods: 4 cryptocurrencies, credit/debit cards, person2person
• Withdrawal Speed: 72 hours
• Restricted States: None
• Promo Code: SPORTS100FP = 100% First Deposit Bonus to $1,500

See current BUSR new customer promotions HERE
For more sports, casino, poker and other online gaming promotions from top offshore casinos.
Visit XSportsbook https://xsportsbook.com/bonuses/

Hi PFC,
I am making $4600 a month after deductions, I live at home and have nearly no expenses, I want to move out but am unsure if I am shooting myself in the foot.
I want to plan for the future but I have no solid plans, I just want to build a foundation for myself that can allow me to live life however I've decided to settle be it putting a down payment on a house, move to another country or retire early. I don't know.
Current expenses (these will stay the same if I move out):
$136 - NSLSC repayments ($13k owing)
$150 - Phone, Internet, other monthly subs
$350 - eating out/entertainment/public transport
Savings:
$20k rotting away in chequing accounts
$10k in TFSA
The reason I haven't invested is because I feel uneasy about where the economy is headed but at the same time I'm just some stupid new grad that doesn't know better than anyone else so I need a reality check.
My expenses leave me with essentially ~$4000 every month and this brings me to two paths I created for myself:
Again, I AM CLUELESS.
Scenario 1:
If I were to move out my budgeting roughly looks like:
$2400 - Rent (Toronto)
$200 - Utilities
$300 - Groceries
$200 - Extra entertainment likely
I can't think of any other potential expenses added to the ones above so this leaves me with $900 to invest which leads me into Scenario 2:
If I were to sit tight at home I have $4000 to throw into investments, my main plan being:

1. Max out TFSA, throw everything to XEQT (maybe I should open an FHSA and do the same I'm not sure if I want to own a house.)
   
2. After TFSA is maxed, continue throwing money into XEQT in normal investing account
   
3. Continue this until I get a higher salary so half my income isn't being shredded by rent (who knows in this market)
   
4. ???
   

NOTE: I have no RRSP contribution matching so I haven't looked into it, I am in no rush to pay off student loans cause they have no interest so as far as I'm concerned its just "free money".
I get that Scenario 2 is the smarter thing to do but I don't want to live with my parents anymore. Don't get me wrong, they're amazing and supportive and don't charge me or ask for help on anything (or accept it), but I genuinely cannot continue on like this. I want to start dating again but I feel stuck right now, my life is at a stand still where I exist only to work, come home to play games and hang out with friends from time to time, I want to change that but I also don't want to ruin myself financially or depend on my parents any further. I have some reasons for not wanting to date while sitting at home but that's a can of worms I don't want to open here.
Please lend me a hand on what you think is best or something I haven't considered as my parents while stable, aren't exactly well versed in finance and I'm starting to feel useless.
Feel free to ask for any extra info, I'll try to respond the moment I can.

I've Been Doing a Lot of Whatever the Fuck I Want Lately and I Like It
It's the day of Ayonna's Zoom court hearing so she's thinking about survivalist jailhouse makeup hacks. They've improved since women used to use scraped paint chips off their cell walls as face powder, dampened red paper as rouge, permanent markers for eyebrow pencils, Kool-Aid doubling as hair dye and blush, and M&Ms as lipstick because deprivation causes innovation for self-preservation. That and Jamahl's excruciatingly murky explanation of his 2-year wedding day gap even though he's as open a book as a text at a class final that provides no specific answers to a general essay question. It's not that he wants to delay a ceremony displaying his love for Shellfish publicly; it's about financing a befittingly royal wedding for the ghetto version of Prince Charles and the late Diana Spencer to whom the masses must bow down, and that includes the judge who simply doesn't understand the trials and tribulations of a multi-tasking single mother with behavioral problems negotiating her child's breakfast.
Court: . . . will continue matter until she can show up in court next week since we are clearly inconveniencing her. 🙄
Ayonna: I'm just a single mother with no help. You're not going to tell me I can't feed my daughter; that's never going to happen. Is it ok if I give my daughter breakfast?
Court: We are in court here. This is a court proceeding. ⚖️
Ayonna: Ok. Just be hungry. 😏
Four years probation because the judge's gnarly attitude is taking it out on me? Girl, what are you talking about? Bitch, you're gonna' tell me I can't feed my daughter? She can kiss my ass! I'm livid. Livid! 🤬
Jamahl: At the end of the day filled with dickheads, we still gotta' bite our tongues.
I'm not selfish; I've just decided that taking your feelings into consideration is too much damn work.
Keep Your Head High and Your Middle Finger Higher
For someone more accustomed to being abused than amused, Candice has said "I love you" to Andrew more times than the repetitive phrase, turn down for what, in the party anthem by DJ Snake and Lil Jon of the same name. While Andrew, true to his word, kneels and immediately proposes, Candice hesitates, and in that moment, resembles a raw double-chinned Pillsbury dough girl with an unnatural sheen, a face too sunken in its gravity to show happiness, and sad raisin eyes reflecting physical distress. But Andrew doesn't clock any of this; he's carrying out his promise to Candice's mom in a dream he made up though she has more eyes on her truck as she doubtless recalls her fond days of street racing, driving without a license, attempted stolen vehicle, felony burglary and constantly running from the police. If she were wearing cargo pants, she could stuff them with the faux Louis Vuitton handbag contents to savor as she completes her halfway house program so she can change addresses. If he could see past his own needs, he'd notice she was trying to figure where the hell he got the idea she cared. If I've cut you, it's because you handed me the scissors.
Patience: What You Have When There Are Too Many Witnesses
Joey is taking advice from Minerva, a sex columnist who looks like Chris Farley in drag who was super stoned and wandered into the backrooms of "Saturday Night Live" for a costume change and makeup refresh before rehearsing his Fellatio 101 sketch outlined on a chalkboard: Watch amateur porn for tips. Practice dirty talk. Get excited about being excited. Use both hands simultaneously and don't bogart that spit. Don't forget, steady wins the race. Freshen up before getting online and spending money for a rented motel room far away from your parents so you can have 15 minutes of precious sexy time before your monogamous lover warns you to deactivate your online profile that his friend saw. Hey, I found your nose; it was in my business.
The King Eats First
Once again, the kids are savvier than their parents. A striking Cheyenne and Nehemiah adjust their schedules to Rob's extended sentence that Tennie tries to embroider in her naïveté while every family member is worried about their displacement when Rob physically enters the picture even though he's already there in camera spirit. It's a which-came-first-the-chicken-or-the-egg question - is it a good thing the alpha male has streams-of-revenue for Tennie's shopping jones or is she shopping because she's worried about getting with an alpha male? He's a poker king like Marcelino making 6-7K a month in jail even though online playing for real money is prohibited, and I doubt his pod mates have that kind of extra cash regularly available. Any man in this day and age who can tell a woman to "sit down and be cute" must have it figured out as a lion doesn't care about a sheep's opinion. I bring too much to the table to be treated like a napkin.
Does One of Your Balls Hang Lower Than the Other?
Rick looks like a twig the wind blew off a tree or a stranded lost lamb in a field surrounded by hungry landlocked predators looking for a banquet. Sandy is sending him pictures of the reunion to remind him of her existence while 4x-married Samantha is positioning herself to long-distance bullrope and hog tie her bachelor into a ball-and-chain before he has time to think about how he's going to stretch a rigorously set pension into providing her commissary and visitation requests. His pickleball buddy, Dan, doesn't really give a damn; it's only his nieces who are rightfully tut-tutting her dictatorial attitude and snarking, "Fifth time is a charm." "Maybe I do have options," Rick muses, but then turns around and crows, "She builds me up." Sure, right after she shakes him up - like a snow globe. It ain't what you don't know that gets you in trouble; It's what you know for sure that just ain't so.

I’ve known him pretty much my whole life. As a kid I noticed he was the only kid in the congregation that wasn’t so hardcore about everything.
I became friends with him as we had similar interests. and over time we kinda figured out we were both living double lives and decided to bond over it and just laugh in the organizations face
We’ve sparked up at Meetings, Hospitality’s, Congregation gatherings, in secret of course.
We’ve even sparked up right before having microphones together in the Hall Restrooms.
We always talk about making some money then disappearing from the meetings and never going back.
Yesterday he got in huge trouble with his PIMI parents because he got caught having a girlfriend and my boy got caught in 4K making out with the girl
His dad gave him a week to fess up to the elders or else he’ll tell them for him
I know there’s been a nerf to disfellowshipping but I think this is definitely it for him
It’s a bittersweet moment because I know he’s finally free from this and I’m gonna still stay in touch with him but at the end of the day
he’s still a teenager and I can only imagine the hell that being shunned by your family every day is gonna be.
But now I just lost my only real friendship in the KH so meetings will only ever get more boring from here, I’ll be joining him soon hopefully.

This is long to read if your on mobile (I am) any advice helps, thanks.
I, (17f) am about to be a senior in high school and I’ve kind of realized how behind I feel in life.
For background I have very strict parents, and one of them is emotionally absent (I think she’s a narcissist but we will never know) and I don’t think she likes me very much. That’s besides the point however, but she’s kind of hands off in my life not in the “I don’t care what you do” way, but in the “I don’t want you to do anything but school and home” way but she won’t help me do anything else.
My dad however he’s involved more with me and I really appreciate him, but he’s still strict in the sense that if I go somewhere he has to be the one to take me and bring me back, and I have to let him know weeks in advance. This makes it really inconvenient for me socially because we live in the middle of nowhere. Or not nowhere, but an EXTREMELY car dependent area. Like a shopping center a 10 minute drive away, but a 3 hour walk along a narrow empty road kind of nowhere. Meaning no public transport, and without him I’m physically stuck at home. (Ubers not allowed). My parents also don’t really do family bonding stuff to get new experiences. Every somewhat interesting experience I’ve had in my life thus far has come from my oldest brother and his fiance who I also consider my sister who are both twice my age. Meaning I can’t really relate to them on a personal level, but since my brother knows how my parents are he really makes and effort to be there and help me in basically everything. Like if I didn’t have him, I’d never know what an amusement park like six flags is like, I would never have been to Panera bread, I’d never see a movie, id be typing this on a leapfrog, and I’d literally never do anything. at all. That’s how mundane my parents lives are and since they’re older(60s), and come from a really rough life (they migrated here) they’re kind of content with work, home, eat, sleep, repeat. Maybe once in a blue moon go out to eat, or shop at a department store for furniture or something. My mom in particular has also kind of given up being a parent because of me and my siblings age gap, it’s like I’m a ghost to her. I do a lot of stuff myself not by choice. Like If I was told to pack only my things and go, I’d literally pack my entire room. Everything in it except for the mattress and major furniture was purchased by me, or my brother and sister (his fiance). All my shoes, 80% of my clothes, and all else have been bought by me/siblings since I was 15 i think?
I’ve never had a family trip/vacation even to like somewhere local/close. Everywhere we go has to have some sort of legitimate purpose, and when I bring this up to my parents they bring up those types of trips. “Remember when we went to Florida!” But we stayed for literally a day and a half soley for the purpose of attending my brother’s graduation when I was like 8. “Remember when we went to Canada” again for a day and a half just for some church program thing (super Christian). Again when I was like 12. I’m too young to do anything for fun in their eyes or take public transport, but I’m allowed to have my job. Even then I can’t work more than once a week because they’ll complain about having to take me and pick me up as I’m reliant on them for transportation. I’ve been pushing them to get my lisence, but they keep stalling for god knows why. And to knock this out, no they are not financially struggling. On top of that I have no family aside from them/my siblings in the US, so I literally have nobody. My brother, I love him and his help but I feel like I’m holding him back from truly being able to let them go and be free of constant contact with them for other reasons, because he still wants to be in my life and help me.
Earlier I said one of my parents is emotionally absent, it’s no secret but it’s my mom, pretty sure she hates me and I don’t know why, but I’m over it. Suddenly after I turned 11 she just has this constant need to argue with me, put me down, or literally do anything just to assume the worst of me or not be happy for me. The issue with that is, she also doesn’t DO anything. My dad does literally EVERYTHING. He cooks, he takes me to school, he picks me up, he takes me to the doctor, he goes to any ceremonies, everything. It’s so bad that some of my friends deliberately avoided bringing up mothers because they thought my dad was a single dad (my mom is hands off my life so I never bring her up and she’s never in a position to meet them). So I feel 10x guilty anytime I want to even go to the grocery store because I know it’s going to fall on my dad alone and I don’t want to make it harder for him when he does a lot already. I can’t go out with any friends, but when I want to do something alone I can’t do it because it’s suspicious that I want to do it alone. Relationships have always been out of the question, the romance isn’t worth the shit show aftermath at home. And as I get older when I see people my age driving, going out, getting piercings, dye jobs, tattoos, doing weekday shifts, relationships, it kind of hits me that I’m literally so behind and have accomplished nothing outside of academics. It’s led to “what’s the point” thoughts which I have to work through alone because just my luck in the eyes of my parents depression and sewerslidal thoughts are diseases. It’s so bad that when my mom (shocker) asked me if I was depressed a few days ago I instantly said no because I knew it was not genuine. It was 100% bait that would’ve turned into a long lecture as to why I’m wrong even though I hate to self diagnose but I honestly think I have been for a while. The constant isolation (not by choice) has gotten terrible to the point where I’m starting to hear shit and see shit when I’m alone and it’s kind of freaking me out. My one and only vice is impulsive spending online because I literally have nothing to look forward to having money for.
My brothers done so much for me. He bought me my first phone, everything. I keep telling myself to just wait until I’m 18 to live life, but I then think I’d still have missed a decent or somewhat normal high school experience. All that alone time gives me the opportunity to learn a lot of random stuff, and I always end up viewed as the “mature” or “smart-experienced-therapist-like” figure (key word figure because I’m NONE of that) in my friendships and it sucks because due to past experiences of opening up to my mom, I have trouble expressing how I feel to others. No im not mature and handling my own, I just have no idea how to talk about my issues/feelings to others in person. Like no I’m not some know it all fortune teller. Sometimes I literally just want to have someone to feel stupid with you know? Like I want to be able to leave my brain at home with someone and not feel like I’m breaking character or something. I hate being told I carry myself maturely, or I’m an old soul or down to earth by people older than me etc. I don’t want to be. I hate being looked at weird or with wide eyes when I laugh, smile, or joke because for some reason people think it’s not “like me”. I don’t even know what to do, or where to start. Everyone thinks I just have shit sorted and just make moves in silence or something when I’m literally in crisis. I feel weird to even cry, ME a 17 year old girl feels like it’s a crime to cry infront of anyone. None of my friends have ever seen me cry. And I almost did once infront of two of them because of a really bad moment of clarity that my life sucks. They just stared at me like I was some specimen because they didn’t know I was capable of crying I guess? If anyone even reads this I don’t even know what to do. I don’t even know if I make any sense. And I read this over and edited it in less detail because I think my feelings are corny and it sounds stupid and ik that’s my problem even on Reddit UGH.
And disclaimer, no I am not a danger to myself or anyone else, I’m not itching to kick the bucket it’s just a big “ugh” moment.

I got the sense that when Alex stopped posting Ari on social media she saw a huge drop in income and that discomfort outweighed the discomfort she felt from DCP’s take-down. I don’t know much about the “influencer” world. My niece talks about knowing people who get free clothes and other products but Alex makes an actual living this way. How fast does her revenue decline when engagement with her posts declines? I’m assuming she continues to make money from older posts that are still circulating. What can people tell me?
Did the controversy actually up her income for a while? Her content is so repetitive and boring. I followed her originally when I saw a reel during her pregnancy. I kind of thought “Go girl!” but was quickly turned off by how toxic she is. I just don’t get how any of this is actually working out for her.

I live and go to school in NJ. I filled out the fafsa as an independent student (29yrs old) for 2024-2025 which will be my last yr in school. I know I will get free tuiton that does not need to be repaid from a state grant based on my income. The 1st semester of my last year starts on 8.30.24 and my bill to the school is due 8.8.24 (which will be zero $) . I want to get married on 8.15.24 but our combined incomes would not allow me to receive the grant because we jointly would make too much money. Even though at the time of filling out the fafsa I was single I am still worried that the school might notify the fafsa or make me notify them or I will get audited or something since my marital status will change during the period I am receiving the aid...anyone have any advice on this? I am going to have to notify the school about my marriage status changing bc I will have a new last name and I dont know if they are going to ask me what my marital status is when I do the pprwork for graduation. Nervous and wondering if I should hold off the marriage until I graduate in may 2025. We have been waiting a long time to get married and do not want to hold off any longer but I do not want this to cause issues with the free tuition grant

Me F(22) and my ex husband (23) were married when we were married at (19) and (20). We got married so young. He was in the military and he was during basic training. I believe that we had the best relationship before the army. We were both heavily in love with each other. But then the army happened and got married. My parents never really liked the ideas of getting married and we did it anyways without them knowing. It created a hard time for us. He was stationed in the Texas. Hundreds of miles away from where we lived. We did long distance until I got out of our lease and moved with him. I was constantly told by my parents that he is using me for the bah money, or not to feel lonely. I never did I feel that way until we got divorced but I don’t know what to feel about that anymore. I’ll explain more after I add more information to our story. He got into a car accident and the car totaled so he need a new car. Which added to debts and with the debts came the problems. We had so many debts and the army pressure never helped us. I worked for a few months but i quit my job cause it wasn’t good for my mental health. I can attribute some of the blame. I could have continued to work and paid off our debts but i couldn’t. I went into a heavy depression state that I didn’t realize I was in. I did do things around the house like cook dinner (not all the time cause I didn’t have any motivation to do it so we order DoorDash), I used to do laundry in the bathtub because he was so busy and tired to go to laundry may, I constantly picked up and cleaned the house. I could have done more. I know I’m partially to blame for a lot of things. I had trust issues but those added to our problems. One day I was gone for a month, I went to spend time at a youth group trip with his mom and then I went to see my parents after that. When I got to Texas his best friend told me that he was trying to sleep with another woman while I was gone. Which killed me. I asked him when he got home and he told me that he was trying to but he didn’t do anything with her and was trying to seem like it cause his friend was pushing it on him. I forgave him and push past it. I fucked up too. I did something that i regretted and still regret till this day. I loved him and I still do. I don’t think I will ever stop loving him. We were had our fights like always. It was always about money and how I wasn’t valuing him and he wasn’t valuing me. I think the only time that we didn’t fight was the last month we had before he deployed. We were so happy. We spent our time together watching movies, playing card games, playing video games, just being the same kids we were before we got married. I miss those days sometimes. I wish I could turn back time and do things differently. Now the hard part. The divorce. I never wanted to be divorced. He was/still is my person. The person who understands you to the core. The person that you can be yourself without shame or guilt. The person that your heart beats from no matter how much it hurts when they break it or damage it. The person that you picked in a room filled with people who you have loved in the past/future. He is that person. My ex deployed and was gone for six months. Three months into the deployment he stopped calling me, he stopped snapping me, he stopped talking to me. It felt like he shut down on me. I begged him to call me or anything. We went through a dark phase. Then he got back to the states and we were good for a while. He came to visit his mom for Christmas through new years. Our anniversary was the 30th of December. His mother lives 4 hours away from my parents house where I was staying while he was away. He didn’t bother to spend our anniversary together or even bother to say happy anniversary. Which killed me inside. On New Year’s Day I sent him a message that it seemed that he didn’t want me in his life anymore so I was setting him free. But on his way back to Texas he and I talked and we were going to make it work but 8 days later. He met a girl. He hide our marriage status, archived post that he made of me, and hid our pictures. Which made me think he did the same thing he did when I was away. I decided that I wasn’t going to stand for it so I asked him to file for divorce. He agreed. It was a little messy. I found pictures of him and this girl on a romantic date, he got dressed up in a suit, had a picture of her on his lap. So much which set me off and I became petty and tried to fuck him over with the army for it. This is where things get complicated. This week I had to go to separate our things because he had everything in a storage unit. When I got there we were polite to each other and we talked to each other. He explained to me that nothing happened with that girl. They went with a group but only made a reservation for two, she was awake for the picture of her hand on his lap, she was wearing the same clothes from that night in the morning cause she slept in them but she didn’t sleep at his apartment, and that she knew what was going on. Which I don’t know what to believe. I want to believe him and I kinda do believe him but I don’t know. I love him but everyone around me telling me to not believe him. I was a mess for months when things were going wrong between us. I didn’t want to lose him but I feel like I lost him. He said we can be friends. I want him in my life but I always want to be us again. I know in my heart that I can never really move on from him. I always want him in my life but I don’t know what to do or what to believe. My parents hate him because they believe he is a liar and will constantly hurt me but they say a tons of things that weren’t true. I just want an unbiased opinion from people who don’t know the shit I said while I was mad or sad. There’s a lot that happened this week with him but it’s been long story already I can explain more in the comments