I Mentioned This Briefly In My Recent Vlog About How Important It Is To Gain A Better Understanding Of

i mentioned this briefly in my recent vlog about how important it is to gain a better understanding of finances + i figured that it might be nice to share some resources for gaining financial literacy! hope this helps ✨

why financial literacy is important

resources on financial literacy from the national credit union administration

harvard’s take on financial literacy + additional links within that page

how credit cards work

tips for improving your credit score

how to check and improve your credit score

khan academy course on finance

cnn money 101

mymoney.gov from the financial literacy commission

gcf lessons (includes lessons on work / career / internet / microsoft / etc as well)

ally wallet wise

money as you grow

adult budgeting 101

tips for paying off student loans

common ways you waste money

strategies for paying off student loans

how insurance works

personal loans 101

guide to getting out of debt

how student loans work

☂️  the umbrella academy:

diego & allison

made several points i still like klaus but i can admit his flaws and i always say all of this like he needs to get it together

Just sharing some thoughts/opinions  about The Umbrella Academy.(part 2)

I decided to share some of my thoughts and opinions on TUA S2 and S1,I know some of my opinions  /thoughts are very controversial and not popular but they’re also based on facts and some mistakes the writers have made this season. Here I go (if you don’t like any of opinions/thoughts then please kept for yourself/don’t read my post, I will not tolerate any hostility from anyone) (fair warning this post will be so freaking loooong so good on you if you read it all), it’s also going to be multiple posts as I have a lot to say.

Klaus:-

This might come to shock to some of you but I HATE Klaus, he was the least character that interested me last season, I only started liking him like by the end of S1 but I just HATE him completely in S2. Seriously Klaus was just a complete shit show this season, he basically became a version of Reginald in his own twisted way.

Let’s start with S1, now I do admit he had a lot of hilarious moments and as we learn more about him we learn that the reason behind his dedication is because of the trauma that he went through as a kid (his psycho father locking him up for 6 hours at a mausoleum when he was just 13 years old) it made him be afraid of his own powers, afraid of his own mind so I sympathized a lot with him because he was abused in such distributing manner.

It’s also clear from the fact that Cha- Cha & Hazel had such tough time breaking him that either Reginald has put them all through some kind of torture training or what Klaus goes through on a daily bases is a much worse torture than what Cha-Cha & Hazel were putting him through either way, Reginald fucked the kids, nevertheless he broke when they were getting  rid of his drugs which is understandable (though not really did he really think he would get the chance to actually take any of it later?) after that Eudora comes to his rescue and she saves him and rather than him warning her that there were two of them he just leaves her there looking for another score NOT caring for one second about her, literally all he had to say/whisper is that Hazel wasn’t alone or give her any kind of signal but all her cared about is getting more drugs and because of his selfishness Eudora died and he clearly couldn’t care less about her, he didn’t even show any signs of feeling guilty or anything honestly that was one of the MAIN reasons I stopped sympathizing with him and started to even hate him.

After he came back from traveling back in the past, it clearly affected him because he lost Dave, he tried to be sober so he could talk to Dave again and that’s when we finally got to see Klaus without all the BULLSHIT,  that’s when we finally got to see him be himself without the drugs (still haven’t forgiven him for Patch but I just went with the flow, there isn’t  much I can do about it, and he wasn’t 100% at blame, Cha-Cha is the one who killed her) and he was actually ok. In the episode before the finale his powers were strong enough that  Ben was able to hit him and even play patty-cake with Klaus (or whatever that game was) , in the finale klaus’s powers were strong enough that Ben was able to save Diego then later on strong enough to project him and even defeat all the gunmen.

So naturally I was excited because it meant that we would get to see more of Ben, Ben who can finally be heard, be touched and can touch  others, more of Ben FINALLY interacting with his other siblings, he would get to contribute to the conversations, he would get to hang out, hug and maybe even have fun with his siblings. Instead all we got is Klaus treating him like a prisoner/unpaid worker who uses him for his own desires whenever it’s convenient for him to get more famous and luxuries life for free, all the while ignoring Ben completely, taunting him of inability to do anything without him, calling him his ghost bitch, lying to all of their siblings that he was there, denying him any kind of interaction with his siblings. Klaus basically became a version of his father, isolating Ben from the rest of his family, belittling him, taunting him, mocking him, forcing him to things for him, ignoring him. abusing Ben’s ghost abilities for his own benefits.  

Klaus also acted like his father by lying & manipulating 1000+ of people(7 kids) by feeding BULLSHIT lies & manipulating them for THREE YEARS just because he was bored and it was fun for him to fuck with people’s minds to pass the time and get easy money & luxury god forbid he actually works a real job (until it was the right time to stop meet Dave)  and when he got  bored of them he just left them several times NOT caring for one second that he ruined 1000+ lives/futures of innocent people exactly like how Reginald fucked them up when they were kids then let them to their messy shit, just like he manipulated Luther for 4 YEARS just for the heck of it. Even when he “tried” to blow them off, he didn’t really try, he barley said anything, if he actually cared about them he would have used his stupid powers to scar them and make them leave him alone for good, give them their lives back but all he ever cares about is himself and only himself.

This just occurred to me, Klaus actually  FUCKED UP with timeline/history  the MOST,  it’s really a HUGE  miscalculation on the writers part that no one came after him to eliminate him because he FUCKED up history ROYALY for 3 YEARS yet NO one was sent by the commission to fix this HUGE ERROR in history  all of his followers defiantly had different impact on the original history  and yet he was just allowed to fuck up history, Luther, Diego, Allison, and Vanya had little or NO impact on history and yet they were targeted more than once.  The only explanation that makes sense is that Klaus is TUA fandom favorite character for some reason and they would let him get away with anything.

Here’s what I have got to say about Klaus & Dave this season, Klaus’s attempts were just creepy, he can’t just go up to  stranger teenager a man in his 30’s  and tell the teenager that he loves him just imagine how Dave felt this complete stranger knows everything about him and tells him that he loves, Dave for felt SCARED and very uncomfortable yet another adult telling him what to do or not d,  and Klaus kept on pressuring him,   NOT caring for one second how terrifying  & confusing this whole situation is for Dave, it was just yet another good person that Klaus disturbed his life for his own selfish reasons. It was also so very very very unfair of him pressuring/rushing a teenage kid in 60’s to accept his sexuality (telling him out loud in restaurant  in front of his homophobic uncle that he loves him) that just outing way way too much for a teenage kid, and because Klaus’s selfish action Dave ended up enlisting much earlier than he originally did thus by  butterfly effect logic Klaus technically shouldn’t know him because he fucked up Dave’s history and their history as well (so by all means by the end of S2, Klaus wouldn’t still have Dave’s dog tags) and even the butterfly effect skipped Klaus for  some reason(everything just seems to work out for Klaus so smoothly) Dave would never approach him if he saw him he would be too scared of Klaus.

  S02E10 just further proved how SELFISH Klaus is, right after Ben’s funeral he conjured him very easily and Klaus at that age still didn’t use drugs (at least not as heavily as he did later on in his life) he could have focused on his powers and strengthen his power  enough that the rest of their sibling could see & talk to him, Ben could have told them he never blamed any of them for his death, give them a peace o mind, instead Klaus just kept him a secret for himself for YEARS and NEVER once told them about Ben, the made them believe he’s talking to other ghost or just too high and seeing delusions , they were facing the freaking  apocalypse TWICE and he NEVER let Ben share any moments/spend a little o time with them because all he ever cares about is himself.

People are always made at his siblings for never believing him or checking on him when he acts too weird (like when Ben possessed him during the light supper est.….) the thing is by now they’re so used to his bullshit lies & manipulation that they always just think he’s just  lying and manipulating because he has done so many times over the years because of his addiction,   he “cried wolf” one too many times for any of them to take seriously or believe him, and considering what Klaus did to 1000+ of innocent people in 60’s it’s no wonder they don’t take him seriously. Yet they don’t recall the moments when Diego could tell Klaus was actually going through something and how he was there for him, or how Allison did the same or Klaus in S2. They’re always just quick to make it out as if his siblings don’t care about him when the fact is he cares very little about them because if he actually did he would have told them Ben was still with them for everyone’s sakes and they might have taken his light supper possession more  seriously because they would have known that Ben might have something to do why Klaus just all of sudden acted “too weird” it’s Klaus’s own fault that they didn’t question his “weird” because to them it’s seems just like good old acting up/acting weird just or attention.

The fandom loves blaming Luther for Vanya’s outrage (even though her own choices that led her to be isolated from her siblings even more and choosing to trust a stranger over them is why she went on said outrage) yet no one ever acknowledges Klaus’s role in the apocalypse in the first place, Harold/Leonard wouldn’t even stood a chance without that journal. Klaus is literally 50% responsible for Eudora’s death and for the first apocalypse.  

I was kind interested in seeing sober Klaus this season, that I would finally get to see the REAL Klaus and turns out the real Klaus is the biggest asshole (well one of the biggest asshole, the other one is Vanya) in his family, the real Klaus is literal version of Reginald with just with his own twist, and I honestly hate/can’t stand  shitty selfish manipulative assholes like him specially the ones who seem to be a “nice guy” but in fact is a complete asshole deep down.

 PS: his powers are 99.99% USELESS MOST OF THE TIME, I don’t get how he ever was part of the umbrella academy team, what exactly did he do? they didn’t even shows us in the flashback in S1E01 of him doing at all, even in Allison’s story to her daughter she said Klaus got distracted talking to a ghost.  Klaus SHOULD have DIED long time instead of Ben.

☂️  the umbrella academy:

the family taking things away from allison

Not to be “white people are demons” but I’m positive that had Eudora not been fridged in episode 4, they would have eventually hated her

oh, its a FACT! i’ve never known a predominately white fandom to NOT end up hating a Black woman, especially one who's the love interest of their fave. literally NEVER. a lot of demons only like Eudora because she was unattainable for Diego, and didn’t pose a real threat as an ongoing love interest for him. because apart from being dead, it was obvious Eudora had moved on from her romantic feelings she used to have for Diego. also, I really wish these fans would stop using Eudora against Lila the way they are. it's rancid they sit there using a dead Black woman to try and cover up their obvious underlying racism against another woc. imagine having the CAUCACITY to be like “i don’t hate woc!! i just think this dead black woman who was never going to be a love interest is a better love interest for my fave than the disgusting WoC he is clearly in love with ahah” they’re all absolutely RANCID. just say you hate woc and interracial couples where there are no white ppl and GO.

The truth

I’m gonna say it

Vanya is the worst character