u/KitsyBlue

Been trying to run this deck this season and Holy is it not great. Just not very good.

Worst matchup feels like Abyss. Tried the dirt variant (Though I find the Spell one more fun, personally) and even with the Dirt one the matchup against Abyss feels like I should just immediately scoop every single game.

Like do I lose against Forest? Absolutely. Dragon? You bet. Sword? Of course. Portal? Yup. Haven? Probably, yeah. But at least those actually feel like games. Some back and forth happened, some wins, some lost. Abyss feels absolutely unwinnable, though, from 5 mana on. The outvalue is absurd.

Anyways, anyone had decent success with this archtype or is it truly as cooked as it appears?

I work for a fairly large company, very stable stock prices. Thanks to the way my company's investment options, currently I invest 10% of my gross income towards the company's stocks, and 8% towards my company's pension fund.

The 10% is matched at 50%, the pension fund is matched for the first half (100%) and half matched for the remaining 4%. So in effect I put down 18% of my gross paycheck and get 29% back. Not a bad deal. The issue being the remainder is tough to live off; impossible to save with.

Long story short the pension was a recent addition to our compensation package, prior to the pension I only had the option of stock buys. Now that I'm putting another 8% (gross) down, I'm feeling the squeeze. I bought a small home two years ago and my savings are running low.

I currently have about 23k in stocks of my company, about 13k in a GIC at 5% that's going to unlock soon, and about 6k in my checking account. In retirement savings I have maybe 18k overall (including the new pension).

Month to month I budgeted out all necessities and I have at the end of the month about... 300$ after all the bare minimums have been accounted for. I'm hesitant to draw from stocks because i lose out on dividend earnings (about 200 every three months), but 300$ is not a lot to live off of. My car is paid off and the knowledge that it might have problems in the future is terrifying. I spent 4k on it last year alone.

So I guess my question is would you keep the money as stocks (still technically invested, earning, gaining dividends; the stock is at a fairly low point right now but still +2.5% over the past ten years according to the app) or diversify a bit? The main issue I have with diversifying is if I do, I'll lose access to the relatively convenient withdrawal process of the stock. Sad as it is to say, the stock practically IS my emergency fund right now, though I've managed to save enough of the 300$ month to month to afford things up until now.