He won’t agree to the terms. Is a Dissolution of Marriage all I can self-apply for in Missouri? If he won’t agree to the terms do I file anyway? Am I stuck getting a lawyer now? Neither of us has that kind of money. He wants the kids. He won’t get out of my house(mine before the marriage) and is harassing me so he can record my reactions to use against me. Please help.

So this is going to be a weird mishmash post offering an investment thought and also asking hey ya'll whaddya think?
Quick background. I'm poor, but thanks to a unique situation my housing cost is insanely low. I'll explain cuz it's important. So I'm living in an elderly lady's house who has dementia and lives in a nursing home. Her adult children can't rent the house out or she would lose her Medicare and they can't sell it until she passes. Which means my kids and I have a small house to live in which I cover the property tax and insurance and any house maintenance so her bank account stays even.
I'm so grateful and it has allowed me to save like crazy. The idea is that when "Mother" passes I might have first dibs so to speak to purchase the house. (Small house in my area... approx $90,000 - 120,0000 or so) my goal is to save enough for a down-payment. Which has led me to my post. I don't know when elderly mother may pass. I'm not wishing her dead by any means but I want to be ready when the house comes available. So my fair amount of savings is just sitting in my savings account making like $2.00 interest. But I can't get a CD because I would need it accessible.
My Dad's retirement finance guy suggested a "Federal Cash Obligation Fund" which supposedly would earn a 4.8% interest and would still be available to draw out within a 24 hour notice, no penalty. This seems like a good idea. I'd keep a portion in my savings for emergencies of course.
What do you guys think? Good idea? Is it risky?
TLDR: Have big savings account earning diddlysquat. Need it for down-payment but don't know when. Invest in "Federal Cash Obligation Fund" ?

Hi everyone. My (soon to be) ex-husband and I split in November 2022. We got married in July 2021, and he started Doctorate of Physical Therapy School in August of 2019. From August 2019-April 2022, he took out ~$300k in student loans. We both live in California.
I also took out about $120k in student loans for my own personal degree.
In May 2022, he refinanced his student loan (while we were married) and his father co-signed the loan. He is now asking me to pay half of his refinanced student loan. Does anyone have any indication if I will be obligated to pay half?
More context that supports me not paying for his half:
I didn't benefit from his student loans. He took out his, I took out mine. In addition, I worked post graduation starting, when we just got married, August 2022-present, where I covered my end of the bills, rent, etc. Therefore, the loans he took out during our portion of the marriage covered his share of tuition, rent, bills, etc.
I am also not asking him to pay for my half of the student loans. I just want us to take care of our own student loans individually.
Any advice is appreciated. Yes, I'm working with a lawyer. Just wanted some context and advice in the meantime.

Hello! I (25F) would love some advice on what to do on my situation.
My mom is ESL, where she only knows basic English. She currently owns a small business in San Francisco and usually has either me or my brother help her with external things such as accounting, taxes, calls, emails, etc etc due to her language barrier. It has definitely started to trigger something inside of me to the point where I am now contacting a therapist for my own mental health. I feel very trapped and obligated to help.
Further point, I work M-F physically at her business as she is having financial trouble and can not hire another worker. I usually cash my paycheck weeks later. I have been in this situation for almost 4 years and I feel like I am in the lowest point of my life. I was the only one to graduate college in my family and I feel like I am wasting my prime time of my life being stuck here.
My girlfriend and I have been trying to move to LA, but due to some circumstances, she will be leaving first with my dog in June. While I stay in SF to help with the shop. Currently, the shop has been on the market for sale for a year already. There are no takers or anybody interested. I understand the timing of selling a business right now is very bad, but is there any hope for me?
Is there anyway for my mom to not have to pay rent due to financial circumstances or something? My brother has suggested filing for bankruptcy, but we are not completely sure what that means. Business is currently slow and everybody's morale is down. I want to be able to help my mom without her being in so much debt still. Please let me know what you all think. Thank you so much.

Began to doubt if I'd ever own my own home. First generation Colombian-American from the boonies of South Carolina (34) and my native-Texan husband (30) saved for 5 years and made it happen. Went with the USDA RD as our lender and our 3bd2ba home mortgage is less than the rent for our 2bd1ba apartment in the city. We were aiming for 5 acres, but stayed within our budget and got 1.5 acres an hour outside of Fort Worth. Expecting a "new addition" in September as well.

"Three heads of the dragon... yes... but the third will not necessarily BE a Targaryen..." - GRRM

I promise you all I've completely figured out the dragon with three heads and TPTWP.

The Three Headed Dragon is messianic

three heads has the dragon . . . the ghost chorus yammered inside her skull with never a lip moving, never a breath stirring the still blue air. . . . mother of dragons . . . child of storm . . . - Daenerys IV, ACOK

The riddle of the three headed dragon is introduced in the House of the Undying and has served as one of the longest running mysteries of the series. Daenerys has three dragons, so naturally we are made to wonder who will pilot them. . . which is why no one can figure out this riddle.
There are several characters who may end up riding a dragon. Jon, Euron, Tyrion, Victarion, fAegon. Even Bran has his warging ability. I'm not here to tell you that these characters won't pilot a dragon. Some legitimately might, and I suspect all three of Dany's dragons will have a rider at some point or another. That's just not the riddle.

"He has a song," the man replied. "He is the prince that was promised, and his is the song of ice and fire." He looked up when he said it and his eyes met Dany's, and it seemed as if he saw her standing there beyond the door. "There must be one more," he said, though whether he was speaking to her or the woman in the bed she could not say. "The dragon has three heads." - Daenerys IV, ACOK

The prophecy isn't about just any three dragon riders. The Song of Ice and Fire is a prophecy about the prince that was promised fighting an Armageddon war against the forces of darkness. This is setup in Fire and Blood, revealed in House of the Dragon, and confirmed to come from GRRM.

“A lot of them said I committed A Song of Ice and Fire heresy,” he said, “but I did tell them: ‘That came from George.’ I reassured everybody.” - Ryan Condal

In both Aegon's dream and Rhaegar's prophecy, the "dragon with three heads" is not just any three dragon riders. It's a messianic figure that fights the Long Night.
Look at what Dany believes about this prophecy:

"The dragon has three heads. There are two men in the world who I can trust, if I can find them. I will not be alone then. We will be three against the world, like Aegon and his sisters." - Daenerys IV, ASOS

Now look at what Quaithe says about who Dany can't trust:

"No. Hear me, Daenerys Targaryen. The glass candles are burning. Soon comes the pale mare, and after her the others. Kraken and dark flame, lion and griffin, the sun's son and the mummer's dragon. Trust none of them. Remember the Undying. Beware the perfumed seneschal." - Daenerys II, ADWD

Dany has been warned not to trust Victarion, Tyrion, Quentyn, or fAegon, and she is certainly not fighting the apocalypse with Euron. So even if some of these characters end up riding a dragon, that doesn't mean that they are going to fight the Others with Dany. The prophecy isn't about them. Again, it's about the Prince That Was Promised.
The dragon has three heads is part of a messianic prophecy about Jon and Dany.

"A blue flower grew from a chink in a wall of ice, and filled the air with sweetness. . . . mother of dragons, bride of fire . . . " - Daenerys IV, ACOK

This might sound cheesy on the surface, but Jon and Dany are going to come together during the Long Night and fight the War for the Dawn. They are the Azor Ahais. Dany fulfills the prophecy about waking dragons from stone, and Jon will fulfill the prophecy about drawing Lightbringer. Together they become the prince/princess that was promised. A Valyrian sphinx.
Daenerys won't trust Tyrion or fAegon. But she will trust Jon ^{(Jon killing Dany was invented for the show}).

"I remember when I was doing Season 1 and we were on location in Malta, and George R. R. Martin came to visit. He was sitting in a chair, and he was being really quite open about things that were to come (...) he alluded to the fact that Jon and Dany were the point, kind of. That, at the time, there was a huge, vast array of characters, and Jon was a lowly, you know, bastard son. So it wasn’t clear to us at the time, but he did sort of say things that made it clear that the meeting and the convergence of Jon and Dany were sort of the point of the series." - Alan Taylor

Even if this quote turns out to be an exaggeration, it's clear that the convergence of Jon and Daenerys is central to the series. They are both built up as chosen heroes on parallel quests, rising from humble status to meet a great destiny. Not only does this play out in the show, but these characters falling in love is written all over the House of the Undying.

"There must be one more," [Rhaegar] said, though whether he was speaking to her or the woman in the bed she could not say. "The dragon has three heads." - Daenerys IV, ACOK

When Rhaegar says there must be one more, he is referring to the child he plans to have with Lyanna. When Dany is shown this vision, she is being told by the Undying that she too must find one more. The same one that Rhaegar is referring to. Dany is destined to find the child of Rhaegar and Lyanna.
Taking all that into account, who could possibly be the third head of the dragon and not seem like an afterthought? What man will Dany trust like she will trust Jon?
The only other man that Daenerys believed she could trust completely was Khal Drogo (even the show has Dany flat out say this). And if any part of Drogo's soul remains in the world then it's inside Drogon, who is literally named after him.

"Three heads of the dragon... yes... but the third will not necessarily BE a Targaryen..." - GRRM,

Pay close attention to Martin's wording. Two heads of the dragon are Targaryens. They are Dany and Jon. Not the lion, the kraken, the sun's son, or the mummer's dragon. The third head is not a Targaryen. It's the actual dragon. It's Drogon himself.
When Dany and Jon ride Drogon together, they will form the three headed dragon from Aegon's Song of Ice and Fire. The prince and princess that were promised, riding a dragon woken out of stone, and wielding Lightbringer the Red Sword of Heroes. Together unified as one messianic figure. The dragon has three heads.
​

The (Valyrian) sphinx is the riddle

But of course ASOIAF is famous for leaving clues, so let's solve the riddle.

"The dragon has three heads," he announced in his soft Dornish drawl.
"Is this a riddle?" Roone wanted to know. "Sphinxes always speak in riddles in the tales."
"No riddle." Alleras sipped his wine. - Prologue, AFFC

In the prologue of AFFC, Alleras Sphinx refers to the dragon having three heads. Later, Maester Aemon again references the sphinx in relation to the three headed dragon, linking the two ideas.

He said the sphinx was the riddle, not the riddler, whatever that meant. He asked Sam to read for him from a book by Septon Barth, whose writings had been burned during the reign of Baelor the Blessed. Once he woke up weeping. "The dragon must have three heads," he wailed, "but I am too old and frail to be one of them. I should be with her, showing her the way, but my body has betrayed me." - Samwell IV, AFFC

This is significant enough that Sam tries to solve it when meeting Alleras.

"An acolyte. Alleras, by some called Sphinx."
The name gave Sam a jolt. "The sphinx is the riddle, not the riddler," he blurted. "Do you know what that means?"
"No. Is it a riddle?" - Samwell V, AFFC

Alleras doesn't know because it's not about her. Aemon is referring to a Valyrian sphinx. In stories, sphinxes speak in riddles (as in real world mythology). But the Valyrian sphinx is the riddle. And what is a Valyrian sphinx?

The next evening they came upon a huge Valyrian sphinx crouched beside the road. It had a dragon's body and a woman's face.
"A dragon queen," said Tyrion. "A pleasant omen." - Tyrion II, ADWD

A dragon with a woman's face that Tyrion instantly associates with Daenerys.

"Her king is missing." Illyrio pointed out the smooth stone plinth on which the second sphinx once stood, now grown over with moss and flowering vines. - Tyrion II, ADWD

But she is alone without her king. A Valyrian sphinx with a man's face. Dany's missing king is Jon Snow.
Now put it all together.
Dany is a Valyrian sphinx. How many heads does Dany riding Drogon have? Two. A human head and a dragon head. So what do you get when you put a dragon queen and her dragon king onto the same dragon? The answer to the riddle is the dragon has three heads.
​

Daenerys: Love and Dragons

I'm sure you've heard a million theories for what this prophecy means. But like with most prophecies, the key is to understand it in terms of the context and characters. Say the three heads of the dragon are Dany, Jon and fAegon. Okay who cares? That's just three dragon riders. History is filled with dragon riders. What does that have to do with the sphinx? or Aegon's prophecy? What does that actually mean for Dany?
The point of the prophecy for Dany isn't just getting her dragons riders. It's that she finds her other half at the end of the world. The point of Jon riding a dragon isn't just to prove his parentage. It's also about forming a bond with Daenerys. This isn't accomplished by having them each riding different dragons and fighting in separate locations. It's accomplished by Jon earning the approval of Dany's dragon and then having the two chosen heroes ride into battle as one. This shared destiny of fighting against the Others will be the basis for their relationship.
Dany and Jon riding one dragon through the Long Night will bond them together and symbolize a relationship built on shared power and purpose. A simultaneous merging of love and duty and war. The dragon has three heads.

Five years ago I (24M) met my current girlfriend (24M) through social media. It was a time where I was lonely and my parents or family weren't there for me. So a girl giving me affection felt something like a new life about to begin. She was also lonely as she hardly had any friends and her only close family member was in Japan at the moment. First I was hesitant as she has had a rough childhood with drunkard father and semi-narcissistic mother. There were clear warning signs that this relationship wouldn't go without its issues. Despite, I continued talking to her, meeting up with her and fell in love with her. We both found comfort in each other during tough times. She had history of self-harm which I helped her to get rid-off. She seemed to not know how to deal with her emotion and many nights were had were she was talking about suicide, hating herself and so on. I of course did everything I could to help her out, took the razors away from her, stopped for from hitting herself, talked her to better mood and took all the hateful words she said during the mood swings. She has always had a tendency to say hurtful things when she gets sad or mad. This of course hasn't been easy for me.
In the beginning of the relationship, I spend most of my weekends visiting her as we both still lived at our parents and she couldn't drive. Then I had to move due to school and the relationship when to semi-long distance (2h train trip). This continued for year or two. First She was the one visiting me, but that ended after couple of months as she broke down crying that I don't visit her ever. Her mood also seemed to be down almost every time she visited as she had to endure her mothers strict rules at home. So I then started doing the train trips to her and this continued till she move closer to me for school. I thought things would start getting better but they didn't
She started her school just fine, got new friends and so on. Then came corona which forced her to go long distance which took a huge toll on her mental state which was already getting worse after she moved form her mother to on her own. We spent 3 months together at her mothers house during the pandemic and that clearly stretched the relationship as she was not feeling well at her mother and I needed some own time. This the lead to the situation that after the next summer se informed me that she had a crush on a friend of her that came to visit for a week. I felt that she only used the crush as an excuse to brake up with me. I felt the real reason was that I had become unpleasant to be around due to having such a low amount of own time. We tried to stay as friends after that but that was hard.
The brake up hit me hard and I felt awful. I felt like I had lost the best girl that I could ever get and girls like her are impossible to come by. We had the same interest, similar hobbies, she was pretty, just my style and we had so many plans and we had good times together. I missed her maybe too much and felt like I wish I could get her back. In the back of my head I felt at the same time that I should not get back with her if I had the chance. I started working out and losing weight and after few months we started talking again and we agreed that we want to get back together and try again. Here again, the geopolitical climate got me really stressed and I just didn't want to be a lone.
The thing is that her school had a huge impact on her mental health. She had issues doing her school work, friends were distant and every week had turned into a battle to get the school work done. Lots of tears were shed, lot of frustration and anger was vented. And I was the immediate target. I tried my best to help. I also suggested chancing school and helped her to prep for that. The time before the exams for the new school was horrible, the worst weeks of my life. She cried every day, every day was a battle. I felt like quitting multiple times but we got through it together. That was when I finally got her to get for help. She then changed schools and moved even closer to me. We decided that it was best not to move in together as both of our schools and mental health situations needed some space.
During that summer se took a job doing payroll stuff which created a new issue. In the interview the company promised that the fact that my girl friend didn't have and education on that field wouldn't be an issue and that she would be educated to the job. But that never happened and she struggled with the job. That got to a point that se was doing her tasks during the night because she was too anxious to do them during working hours.
Well the new school started and there everything went well for awhile. New friends, easier exercises so on. But due to the work her mental health was already low and she started skipping her classes step by step down to a point that I had to intervene so that she would stay in school. The issue is that due to her low mental health, I practically had to do her exercises for her or act as a tutor to help her trough them. She did for awhile get therapy and medicine to help the mood swings but that was just for short term, that was the best that the social health care system could offer at that time. Well this situation continued until few months ago when the therapy stopped and her mental health started spiraling down. The therapy ended and she felt abandoned and she couldn't work as the result was just hysterical crying and suicidal thoughts. She couldn't cook, clean, wash herself, so I had to help (while doing the school stuff). This then started affecting my mental health and I went down really low (self-harm). I also started therapy to help with that.
After her initial therapy sessions ended, she has been directed between nurses and is still waiting to get help. And I have to watch her mental state get lower again. I had to distance myself from her, to get my mental state back up and heal. I only visit her like once per week or so. Sometimes staying over the weekends. I have tried to convince her that she isn't able to live by herself and might need to be taken into a care home of some sorts, but she wants to stay at home. But I feel like the I'm the only thing enabling her to do so.
Now the issue is that I don't know what to do. It seems that she won't get help anytime soon. And I wonder even if she does will it matter? I'm out of energy and the red flags are there, she can always work on that but they won't disappear over night. I have already spend 5 years of my life in this relationship. Due everything that has happened, I have gotten fat and I don't feel like I have any chance to get anyone else. I feel like If I brake up, I will always going to mourn over her and that will affect all of my future relationships making me unable to commit. We have had fun times and I still enjoy spending time with her and she does get me and my thoughts. We think alike. But still, I feel guilt if I leave and I limited if I stay. So I don't know anymore what to think. I just need some other peoples opinions on this, should I leave or stay? Is there a perspective I'm missing? Help a confused guy?
TLDR; Girlfriend has a rough background and her mental health is spiraling down and I feel like all of the weight is on me. I have exhausted all my energy to help her out and it has distanced me from her. Now I'm confused how to continue as I value the relationship and feel like I can't find another like her but feel like it might not be the best one for me.

Hi, I'm pretty new to poker, playing a lot of Blitz on ACR to improve. How well did I play this hand? Thinking about it after, I think I could have gotten away.
​
6 way 0.05/0.10 Blitz on ACR
Hero position - BB
Villains open 2.5BB from the LJ, Hero defend in the BB with 7c7h
Flop comes Ac7d6s, Hero checks and villain bets 2.2BB, hero check raises to 7.1BB. Villain calls. Pot now 19.5BB.
Turn is the 5h, hero bets half pot 9.8BB, villain calls. Pot is now 37.4BB.
River is the 5d, hero bets 29.4BB, villain raises all in for 100 BB, hero calls.
Villain ended up having AcAh for the higher full house cooler.

Honestly we don’t care if someone would come over like a visit or hangout but my new roommate’s boyfriend has been sleeping over every night. We got an issue last time cause they knocked at my door around 7am after working midnight I barely got rest and very light sleeper working two jobs that’s why sleep for me is very important or else I will lose my mind.. anyways, she knocked cause her boyfriend’s car parked in front of me. When she moves in she didn’t inform anyone that she’ll be needing parking spot. However, her boyfriend has been sleeping almost every night. She told me what’s wrong with it, her boyfriend just stayed at her room but the thing is we didn’t expect we’re having a 4th roommate haha. Like literally her boyfriend have been sleeping here every night after she moved in. My cousin who’s renting out the other room it’s a three bedroom apartment never complain but today he complained that they knocked on his door too cause he was playing a music. He’s very nice person so they haven’t got into any bullshit with him but if it’s me they will never do that the thing is I don’t want them to do that to my cousin too. I don’t want us to adjust for her boyfriend’s convenience if it’s her then we will gladly too but if it’s for her boyfriend why would we he’s not our roommate.

Good afternoon all, I’ve been diagnosed with Meniere in July 2021.
2021/2022 winter was bad , then I had a remission from April to November (hottest months here in Italy ), then in November symptoms came back furiously.
I basically starts with ear fullness (fluid buildup) and then vertigo happens (4-8 hours attacks). Then a few days of no ear fullness then the cycle starts again.
One weird thing I noticed is that my only remission during this winter, which lasted 1 month ago, started this way:
I was at some friends house, kids screaming , I start wearing concert earplugs, then I started eating salted food as cheese and ham (while in the previous weeks I was eating low salt).
After the party I go home, went to sleep for a couple of hours in the afternoon and bam! my ear fullness was gone.
Has anyone experienced such thing ? It happens a lot of time that when I am exposed to loud sounds my ear fullness many times disappears afterwards, sometimes for a day, that time for almost a month.
Thank you all

I’m still processing my 3 year rocky relationship that ended 3 weeks ago. I keep doing the self-blame game where I’m like she said you were never around enough, didn’t spend enough time with her, she felt lonely and you should’ve been there more.
But then I remember that when I was around more she was kind of indifferent to me. If we went out in public and she had a few drinks she’d be very affectionate. All over me. I ate it up. I loved that. But when we got back home she was kind of indifferent. She would go smoke on the porch (I have asthma and have to stay inside). Or go cook something, wouldn’t try to cuddle on the couch. So I’d end up leaving when it got time to go to bed, because it felt like I was sort of like a house pet-there to keep her company but not being interacted with much. Kinda there for whatever she needed but not for myself. I asked her for back rubs/head massages and it was always no, I have arthritis (shes 30), or like a 2 second half ass touch to shut me up. Meanwhile in public she was all but fucking me at the table in front of people. Touching all over me.
So I’m trying to give myself some grace that it wasn’t that I was this anxious, busy, impossible partner who didn’t make more time for her, but that I was feeling like an object instead of a girlfriend and I didn’t see any point in being there when she wasn’t showing me any affection or attention. She was indifferent to me almost as if I wasn’t there. But then after sitting there in the coldness for a few hours I’d get up to go home and sleep for work the next morning, she would suddenly pull me onto her, try to kiss or fuck me. And I’d be flooded with dopamine again and wonder-where was this the last 3 hours while I was sitting next to you and you took a nap, or played on your phone, or zoned into the tv without touching me?
I know it can’t just be me and perhaps I am blaming myself for what I should’ve done better when in fact I was reacting pretty normally. I am healing slowly…slowly making sense of it…trying not to blame myself so much. Her biggest complaint was that I didn’t spend enough time with her. But I lived an hour and a Half away. I drove to her 90% of the relationship and gave her all the free time that I possessed.

Hey there, post says it all, I’ve looked on Craigslist, facebook groups, etc-most spaces that have been adequate are being rented out by private companies selling sq footage in small suite office & is way to expensive for me to afford. I can afford $300-400/month if someone has an extra room in their home, or a built out basement let me know!
Thank you

I tried googling but couldn't find a clear answer. Does anyone know for sure? I ask because I just looked and saw that I have a 65.4% winrate which seems insane and untrue, but it makes a lot more sense if it's counting all my in house private matches against lower ranked friends.

You ever feel like just flipping tables, burning bridges, letting everything and everyone go?
That's me today.
For context- I am a loner, I'm introverted. No one knows me, I never wanted to be alone but I've kinda kept it that way because my life has been hell. I hate burdening others, but I'm great at being there for those who need me because... I understand what hell feels like lol.
But hey! I also work at a great job the WORK is great! 40 hours a week and been working straight 10 years in different companies without much of a break aside from those little 2 week vacations :D. I'm now 25 though and you know what... Im over it, there's drama, constant negativity, constant problems and things I can't fix!
Never got the chance to get married, have kids, get close to any friends, family. And 2 important people in my life that ever made a difference for me passed away, covid on top of that was just ass. (And I know it was for many people)
I was so caught up with my own stability in life to keep my head above the constant tidal waves of financial stress and family stress. I somehow forgot to take care of my mental well-being and that's now caused severe depression/anxiety problems.
I'm willing to throw everything I've built at my job away because I'm just so tired.
I'm in a relationship with someone that was kinda toxic for awhile, but it seems to be holding on for now. He's always been there for me anyway and mentioned he would take care of the finances for a couple months until I find another job if I quit.
I'm not used to relying on someone else for any of my finances and I'm afraid it will make me feel trapped eventually to be inside the house all the time (since I'm introverted and depressed)
Should I take him up on the offer or try to push through my issue here and see if it clears up? As a side note- YES I am going to see the doctor, therapy is scheduled only once a month regardless of asking for it sooner. I am trying to take care of myself and everything feels so overwhelming.
ANY insight helps. I'm going to do what I gotta anyway.
TLDR; feel like I've hit rock bottom, wanna quit my job and take the offer my BF gave me to quit and take a break but afraid to lose the good job I have and be stuck without finances.

So, we are just starting out out home buying process. We got a pre-approval letter from two banks — both of which come to around the same number ( one of them is 100k higher than the other). We were considering the lower number as the upper end of our budget.
We do intend to put up 20% down payment.
But I have been reading that banks are very risky with the pre-approval and we shouldn’t go that high? Is that the the general advice in this group as well?
We live in a VHCOL area. So lowering the budget might mean significantly worse quality of life than our currently rented house ( will have to commute more and live in a smaller, older house). Hence I am wondering if we should wait it out and save aggressively to afford more than 20% of the down payment ( to reduce loan amount and consecutively interest burden)

Greeting friends,
I've been playing D&D for 22 years, and doing sound design for 10. I've recently decided to combine my two favourite things into a youtube channel specifically for soundscapes to accompany parties on their numerous (mis)adventures. I love what I do, and will be releasing new 'scapes as regularly as my real-life work schedule permits.
May one of the following suit your needs, and accompany your players' mighty deeds 🧙

• Forest campfire
  
• Exotic Markets
  
• Ship at Sea
  
• City Streets
  
• The Blacksmith's Shop
  
• Haunted House
  
• Halls of the Academy
  
• Sleeping in the Barn
  
• Desert Journey
  
• Music to adventure to
  

Enjoy