Los Santos Summer Special FAQ, Links and Discounts!
Rockstar has released their brand new Summer Special DLC including a ton of brand-new vehicles, missions and clothing items available for purchase. Some previous links to get you sped up on the DLC:
This thread will become a host for all the further official announcements by Rockstar, reputable datamines and user-made content by our very own members such as R* Editor clips, screenshots, guides and the like! FAQ will be included here as well. So if you're busy at work and can't play yet anyway, give these links a look!
As of about 10AM UTC the update is out now on consoles - it seems to be about 2GBs in size. Will update soon! Edit: Now available on all platforms from what I can tell. Feature Updates & Improvements
Calls such as those from LJT have been reduced to messages. Bryony continues to annoy the fuck out of us, though.
An additional two garage slotshashave been added as well, so yay!
Christ - They added a timer to the Lucky Wheel! Anytime you get near it seems you will see how much time you have left to wait until you can spin it again.
Looks like it's now possible to return ANY personal vehicle back to storage. Rockstar is killing it!
The colors in the MCT for MC businesses regarding stock and supplies have been fixed, so good luck getting used to that change now!
The MkII's 5 minute cooldown is now applied to the regular mechanic as well.
Vehicles with missiles show a counter with how many missiles are left if their capacity is limited.
Staying stationary or going in the wrong direction in Open Wheel Races makes you non-contact.
Snacks can be bought from Wendy and the interaction menu!!!
Unconfirmed: The Casino Heist Gold Glitch seems to have been patched.
During Open Wheel races you are now able to change your tire compound (soft/medium/hard) when stationary in the pits by pressing right on the D-Pad or right-arrow key on PC. (Credits Final-Atonement)
New Content and Discounts
New Content:
Stock vehicle wheels have been added to the new 'Street' category to be applied on any vehicle.
The new yacht missions pay about GTA$ 14,000-25,000.
Arcade Games: Ace of Fury (GTA$ 666,000) and Qub3d (GTA$ 333,000).
A new business battle on the aircraft carrier has been added.
Legendary Motorsports:
Benefactor BR8 (GTA$ 3,400,000)
Declasse DR1 (GTA$ 2,997,000)
Lampadati Tigon (GTA$ 2,310,000)
Invetero Coquette D10 (GTA$ 1,500,000) - MY PERSONAL FAVORITE.
The Sheava is this week's Podium Vehicle. Looks like that's just the internal name for the Emperor ETR1, who would've thought they'd make it possible to get a brand new vehicle for free.
Double GTA$ and RP Activities:
2x GTA$/RP on Open Wheel Races
2x GTA$/RP on the new Yacht Missions
2x GTA$/RP on Diamond Adversary Series
Discounted Content:
30% off Yachts
40% off Arcades and Renovations
30% off the Arcade Drone Station and MCT
30% off MC Business Supplies
20% off Bunker Supplies
40% off 10-Car Garages
30% off Benny's Conversions
Time Trial:
LSIA II in Los Santos International Airport (must be finished on or before 02:24.00)
RC Bandito Time Trial:
Cemetery in Pacific Bluff (must be finished on or before 01:20.00)
Thanks to Biomixels for the time trials. Premium Race:
When will the DLC drop? Soon. Rockstar usually pushes updates around 3:30AM EST or 9:30AM UTC. Check this helpful map showing all the timezones. Does the DLC cost money, how can I get the DLC? The DLC will be made automatically available through whatever launchestore you have the game on. Those using the Rockstar Launcher can expect to see their games updated first, so be ready for that. What can we expect? Judging by Rockstar's announcements and timelines, this DLC won't be massive. They've confirmed new business battles and yacht missions, probably comparable to the previous client jobs we've gotten with the Terrorbyte. Additionally they've teased some cars, of which we've gotten images of a new supercar, a musclecar and an F-1 car. Some new race modes have been mentioned as well. It's safe to assume that the content will be dripfed in stages, especially the more interesting items might be left for later. Have the Acura NSX and new Toyota Supra been added? Some images of the Toyota Supra and Acura NSX being converted at Benny's have been floating around - these are fake and have been put into circulation by a clickbaity asshole who shall not be named. Are weekly updates on Tuesdays starting now? Probably not. Rockstar always goes a little off their usual schedule with DLC drops and this is probably the same thing. It's hard to say if the sales will already change this Thursday, but I'd recommend y'all reek the benefits of the sales before you regret it. What's going to be on sale next? / When will the next sale be up? / What's going to be in the next DLC? If any Rockstar employees are on this sub, we'll let you know.
We're also hosting a Summer Special DLC Discussion Megathread which will be unlocked once the DLC has dropped to keep discussions related to the release of the DLC and first wave of content in one place. Have fun playing everyone!
Ultimate Casino Cashback Guide - Earn over £500 - Every Offer Explained!
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Up to £219.11 profit in cashback through gambling offers with TopCashback, Quidco and OhMyDosh
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Please be aware that these all these offers all are gambling, so I'd highly recommend depositing and wagering only the mimimum amount required to get the cashback, then withdrawing any profit you may have made.
[Other] These are the top 73 parks in the United States, ranked based on the quality of their coaster collections, as voted by, well... you! This is as close to objective as a ranking will ever get for this. Don't worry, I have some nerdy data to help explain myself.
This post needs a little clarification. Anyway, many of you are aware of the brilliant Vote Coasters project over at Coaster Bot. If not, take a look: https://coasterbot.com/votecoasters-fullresults2020 2699 enthusiasts from across the wrold people ranked every roller coaster they've ever ridden, at an average of 43 coaster credits per voter (116256 total credits). Many of you personally participated in this survey. Their algorithm is extremely clever (https://coasterbot.com/votecoasters-how) - "The community is only permitted to rank roller coasters they’ve actually ridden. This way each roller coasters position in the final results will be as truthful and accurate as possible. By making it easy for lots of people to contribute their lists, Vote Coasters is able to accumulate a large sample which represents everyone! Once the community has voted, the numbers are crunched. Our method involves directly comparing the rank of two individual roller coasters across all of the submitted lists. As Vote Coasters makes direct comparisons between individual roller coasters, the poll is not a popularity contest. Even obscure roller coasters that few people have had the chance to ride yet can do well!" I have taken this data and created a point system for coasters that's directly linked to their ranking on Vote Coasters 2020. The #1 ranking, Steel Vengeance, is worth 500 points. [Zadra's second and would be worth 499 points, but it's not in the US] #3, Lightning Rod, gets 498 points. El Toro gets 497 points and so on, all the way down to La Vibora in 499th place, earning only 2 points for its park. Any coaster under the top 500 (such as Corkscrew at Cedar Point) is worth zero points. This weeds out kiddie coasters and terrible coasters from factoring into a park's collection quality. Basically, crappy coasters add zero points to a park's total points, while excellent coasters are worth way more points than mid-tier ones. For coasters with two tracks, such as Gemini or Lightning Racer, I only counted points for the best of the two tracks. My spreadsheet showing the point values for all 256 American coasters in the top 500 is here: https://docs.google.com/spreadsheets/d/10aaS1f8CptsXEvUSqE2-VUtal-Od9gim-x8rT7xkT8M/edit?usp=sharing I have added all of the points for the coasters in all of the 73 American amusement parks that house at least one global top 500 roller coaster. I ranked the earned point totals for all 73 parks. (That's how I got to a "Top 73!") For those like me who care exclusively about coasters and collecting quality credits and nothing else, I think this is an EXCELLENT way to prioritize future amusement park trips based on the quality of each park's overall coaster collection. Without further ado, here's what you want to see:
69 (93 points): Frontier City (5 coasters, 1 ranked)
70 (37 points): Adventureland New York (2 coasters, 1 ranked)
71 (17 points): Lakemont Park (3 coasters, 1 ranked)
72 (12 points): Conneaut Lake Park (2 coasters, 1 ranked)
73 (8 points): Belmont Park (1 coaster, 1 ranked)
If any coaster YouTube channel wants to use this data to fuel an idea for a new video (sup Airtime Thrills or Coaster Studios or, you know, COASTER BOT!), please feel free! 100% of the credit goes to Coaster Bot for helping me compile this ranking.
A goodbye letter for the anti-President. Written by Michael D’Antonio.
I thoroughly appreciated reading this opinion piece. So much so that I’ve linked it and am pasting the article here as well. A goodbye letter for the anti-President Dear Donald, When we first met in 2014, I was a year into research for the biography I was writing about you. I knew about your stern father, your exile to military school at a tender age and your tendency to spin dramatic fantasies. I knew that you considered life a battle for survival and humans to be "vicious" by nature.* In your Trump Tower stronghold, you were attended by aides who looked like soap opera stars and surrounded by ego-boosting emblems: a wall of framed magazine covers, each featuring your face; a boxer's championship belt given to settle a debt; a stack of clippings delivered with a note that read, "Dad, FYI -- All great press. Ivanka." These totems of greatness, which I haven't seen in the quarters of other super-rich Americans, made me think of you as desperately, and perhaps dangerously, insecure.* In five interviews that lasted about 10 hours total, you would heighten my fear that despite a life spent in unending luxury and privilege, no amount of wealth and power would move you off the life-is-warfare view. Even worse, you told me that you might run for president because Twitter fans said you should (I wasn't surprised by your ambition and, given your celebrity, I thought you might win). Then, as we stood to inspect a framed letter you had received from the disgraced Richard Nixon, you said his only problem was that he had left office for the good of the country. In your view, he should have stayed and fought. *You ran for president and you won. And as you visited upon the country more pain than Nixon ever did, you fought on. Unrelenting in your aggression, lies and cruelty, you presided over four years of chaos and conflict provoked by your words and deeds. Though impeached, you escaped conviction and stayed in office to redouble your commitment to ego-driven chaos. As you refused to mount a serious federal response, the Covid-19 death toll surpassed 400,000. Defeated in your bid for reelection, you spun lies that created an alternative reality so powerful that hundreds of your followers formed a mob that carried out a bloody attack on the United States Capitol. Many there intended to overturn the election, which you had repeatedly claimed was invalid due to fraud that in fact had not occurred.* In the attack, which was televised by news networks and livestreamed on social media, five people -- including one Capitol police officer -- would die. A DC Metro Police officer, who had been Tasered several times, heard one of your followers say, "Kill him with his own gun." Although Congress reconvened after the mob was driven out, you stand disgraced as the only president in US history to be impeached twice, and all I can think is that you had finally made your narcissistic nightmare of a constant battle against vicious enemies come true for us all. Your dangerous narcissism was not widely noted when I interviewed you, but it seemed, to me, to be the hallmark of your personality. I consulted experts and learned that this grandiosity was likely a defense mechanism against a fear of shame and rejection. I came to believe this fear was installed by your father, who, when you were a child, demanded you be a "killer" and a "king." When you failed to meet his expectations and became a troublemaker, he exiled you to military school, at age 13. Talk about a scarring experience. The title of my book, "Never Enough," pointed to your endless drive to prove your superiority, which, ironically, led to bankruptcies, divorces and legal defeats. It's likely these failures provoked the same sense of shame and humiliation that you must have felt as a rejected child. You once told me you hated to reflect on the past, but in refusing to do this, you were bound to repeat your mistakes. No matter how much you achieved, it was never enough. And so, you went too far. (For more on this see what your psychologist niece, Mary Trump, wrote in her 2020 book, "Too Much and Never Enough: How My Family Created the World's Most Dangerous Man.") As President, your weaknesses posed terrible threats to the country. Your many failures at running businesses such as casinos or the airline Trump Shuttle showed that you were not a nimble thinker capable of leading complex operations. The Covid-19 pandemic has only made this glaring incompetence crystal clear -- and despite your efforts to deflect the blame, the country's death toll speaks for itself. More than 400,000 people have died from Covid-19 in the United States -- more than any other country in the world, according to Johns Hopkins University. Having seen your inability to recognize others as human beings, I have not been shocked by your indifference to the deaths of your fellow citizens. Nor have I been surprised by your encouragement of violence. Violence was what I always expected from your presidency. I just didn't know what form it would take. The power of your methods was obvious during your 2016 campaign, when you lied in a way that separated your most ardent followers from reality itself. You promoted many of your old conspiracy theories about 9/11 and climate change and added new ones on the fly. (When an attendee asked -- after first stating as fact that Obama was Muslim and not American -- about the wildly untrue idea that Muslims were running secret training camps in the United States to kill people, you refused to shoot down his claims, promising instead to "look at that." You also whipped people into a frenzy of hatred by describing opponents, critics and the free press as enemies. I recalled reading how your first wife, Ivana, had said you kept a book of Hitler's speeches near your bed. You once corrected a reporter, telling her it was "Mein Kampf" instead (though Marty Davis, who gave Trump the book, told Vanity Fair it was a book of speeches). For four years in office, you functioned as a kind of anti-President, inflaming rather than calming passions and attacking rather than negotiating, all while demanding adoration from your Cabinet and constant attention from the media. Having ordered aides to think of each day as an episode in a TV show before you even took office, you tried to gin up as much drama as possible. As President, you used the authority of your office to spread baseless claims about voter fraud, former President Barack Obama and even of a friendship between former President Bill Clinton and Jeffrey Epstein, the convicted sexual predator who was your Palm Beach neighbor and friend, to name a few. Many of your followers abandoned reason and dove headfirst into the QAnon conspiracy theory movement, which reveres you as a savior and regards the government and much of the news media as evil. Many of those who attacked the Capitol brandished Q symbols along with Trump flags, Jesus banners and the Confederate stars and bars -- a mix of powerful symbols that shows the breadth of your influence. Before the attack, you were among many who called for a big crowd of protesters to stop the Congress from affirming your election defeat. After your lawyer Rudy Giuliani, your namesake son ginned up the crowd, and they heard you call for them to march on the Capitol. "You have to show strength," you said, "and you have to be strong." You promised to go with them but chose instead to view the destruction on TV. I wondered if you understood that the violence that unfolded was real, and not something made for television. Did you order Cokes as you watched? Did you eat popcorn? I can imagine you snacking because you have played with violence, both real and imagined, for so long that you must be inured you to it. It all started back in the 1970s when you began employing armed guards-chauffeurs, for no apparent reason. I think it was because you enjoyed the sense of menace they added to your presence. During your 2016 campaign one of your security guards roughed-up a picketer outside Trump Tower in New York, while another physically forced reporter Jorge Ramos out of a news conference in 2015. At one rally you told followers, "If you see somebody getting ready to throw a tomato, knock the crap out of them." When a loud protester disrupted one of your other campaign rallies, you said, "I'd like to punch him in the face." Your tough guy image was embraced by followers who traded memes in which you were drawn to look like a superhero or shown brandishing weapons Rambo-style. Your avatar punched out a figure labeled with the CNN logo. Add this to the bigotry you expressed in words and images, which you shared with millions of people on Twitter, and a combustible mix was created. (Remember posting an image of Hillary Clinton, along with a Star of David set against dollar bills, brandishing her the "most corrupt candidate ever?"). The atmosphere of bigotry you helped create exploded in Charlottesville in 2017 as men chanted "Jews will not replace us" before a White supremacist murdered a counterprotester by running her down with his car. Heather Heyer was one of the first civilians to die in this charged political context during your presidency. It did not change your behavior. Instead, you declared there were "very fine people on both sides." By delaying your condemnation of her attackers and resisting efforts to remove monuments to those who fought against the United States to preserve slavery, you sent clear signals about your views on race and violence. With Charlottesville, questions about your bigotry grew louder. You made your stance clear when you reportedly said Haitian immigrants "all have AIDS" (though the White House denied it), and that people were entering the US from "shithole" countries. Add your vicious comments about Black athletes calling out police brutality, your penchant for slamming individual Black women, and your fearmongering about low-income housing, and everyone understood your perspective. Three years into your presidency, 65% of Black Americans said it's "a bad time to be a Black person" in the United States, according to a Washington Post/Ipsos poll. It would have been bad enough if your bigotry had been confined to words, but you enshrined it in policy by restricting refugees from entering this country. This led to a sharp decline, from about 85,000 refugees admitted to the United States in 2016 to about 12,000 in 2020. If the "huddled masses yearning to breathe free" didn't get the message, then they could consider the way you cozied up to strongmen, the likes of which many of them were fleeing. From Kim Jong Un of North Korea to Russian President Vladimir Putin, you showed a consistent admiration for dictators who jail and kill their critics. Along our border with Mexico, you began separating children from parents who arrived seeking asylum. By May 2019, six children had died in federal custody. In June of that year, Americans were shocked by the photo of a father and child who had drowned attempting to cross the Rio Grande. In December, a surveillance video obtained by ProPublica showed a 16-year-old Guatemalan boy was left alone in his Border Patrol cell in Texas for hours before he died on the floor, of complications from the flu. How many minors died in Border Patrol custody during the four years prior to your administration? Zero, per FactCheck.org. The deaths were just one measure of the suffering your harsh policies inflicted on asylum-seeking families. New data from June 2019 reveals there were around 5,500 known cases of children, from infants to teens, being separated from their parents and placed in facilities ranging from foster family homes to cells made out of chain link fencing. Amid all this pain, it seemed you still weren't satisfied. You asked about building anti-immigrant moats to be stocked with alligators. You wondered whether soldiers could shoot immigrants who threw rocks. Those ideas were nixed, but the crisis continues. Because of inept recording-keeping, your administration has not been able locate the parents of at least 545 children, according to court documents from last October. Refugee families, stuck in limbo while waiting for asylum in the United States, are still filling squalid camps on the Mexican side of the border, many of them fearing for their lives -- particularly in the midst of a global pandemic. You got away with cruelty in part because you conditioned many Americans to believe that brown-skinned, undocumented immigrants constituted a criminal horde that required a draconian response. You promised to build a "beautiful" concrete border wall along 1,000 miles of the frontier and force Mexico to pay for it. Only about 452 miles of tall steel fence has been completed as of January 5, 2021, according to a Customs and Border Patrol Report, and instead of the $8 billion you estimated for 1,000 miles, $18 billion dollars have already been devoted to the work because -- surprise! -- Mexico is not paying for it. Hyping the wall was just one example of the exaggerations, false claims and lies that came out of your mouth in such a torrent it was nearly impossible for anyone to react properly. You combined this strategy with denigrating the media as "enemies of the people" and purveyors of "fake news" with such consistency that facts seemed to lose their power. You added an Orwellian flourish when you said, "What you're seeing and what you're reading is not what's happening." What has been the effect on journalists? Threats became a part of our daily lives and the lives of our family members. (One of your followers found my wife's business phone number and called to say that he had located our address and to suggest we be careful.) A "press freedom tracker" run by the Committee to Protect Journalists and the Freedom of the Press Foundation has counted 421 attacks on journalists during your time in office. Far worse than the impact on journalists is your effect on Americans' ability to agree upon an established set of facts as they consider critical issues. You are not solely to blame for this problem. However, you have both contributed to it and exploited it. You have made more than 30,000 false or misleading claims, according to The Washington Post, which have landed with the authority that comes with the presidential seal. The easy way out for someone mired in disinformation is to pick a person to believe and go all in. Many of those who doubled down on their support for you found a sense of belonging amid the slogans, regalia and fervent rallies. They felt they were right. Those who disagreed were not fellow citizens but enemies who, some concluded, should be defeated by violent means. The loyalty of your followers meant that ordinary politicians feared provoking the ire of your base. When it came to light that you were trying to coerce Ukraine's President into helping your reelection effort, you were impeached for abuse of power and obstruction of Congress. But this fear helped keep the Republican-controlled Senate in line, and you were acquitted. Afterward, Sen. Susan Collins of Maine defended her vote to acquit you, saying you had learned "a big lesson." What you learned, it seemed, was that you could get away with anything. Even before you were elected, you claimed you could "stand in the middle of Fifth Avenue and shoot somebody," and not lose voters. Shortly after the impeachment trial wrapped up, you proceeded to mislead the American people about the novel coronavirus. You downplayed the dangers of the virus so that the vibrant economy, the main bragging point of your presidency, would continue to hum. In late February, at a White House coronavirus task force briefing, you said "It's a little like the regular flu that we have flu shots for." But you told journalist Bob Woodward weeks before that the coronavirus was "more deadly than your -- you know, your, even your strenuous flus." Nevertheless, you declined to organize a true national response and undermined public health officials who urged everyone to wear face masks. You also held mass rallies where people were infected. On May 8, when the death toll was more than 77,000, you continued this charade, insisting, "This is going to go away without a vaccine." To say that people died as a result of your posture is not mere speculation. Families have told stories of those who followed your lead, got sick and died. Harvard epidemiologists estimate that thousands have died as a result of your example. Today the Covid-19 pandemic continues to ravage the country. The death toll is now roughly equivalent to a 9/11 each day -- but many of your acolytes, even in Congress, still refuse to protect themselves and others with facemasks. Meanwhile, millions are turning to food banks. Mass evictions loom. When I consider the hungry, the infected, the traumatized and the deceased and hold in my mind the images of the deadly mob at the Capitol, I hear your voice summoning the worst in my fellow citizens. With those words you truly established yourself as the anti-President, a distinction that cancels any claim you might make to the respect normally accorded the office. When we met you told me to call you "Don," as if we were friends. You also invited me to examine your hair. I didn't do either because I sensed that you wanted to establish a bond that you would eventually try to corrupt. This was confirmed when you hinted that my book could make me rich if I abandoned my professional duty and wrote it to your liking. Thankfully, enough Americans recognized your immorality and incompetence and lack of human feeling so profound that the suffering and death so much a part of your presidency didn't appear to affect you at all. They chose Joe Biden in November, making you truly accountable for perhaps the first time in your life. After four years of your chaos, what's left is a wounded country grieving for its dead and for its innocence. But we will recover, and you now face criminal and legal threats in state courts, along with the harsh judgment of history. As you desperately summon the remains of your following for comfort and fundraising, your disgrace is growing with the mounting evidence that your words motivated the mob that attacked the United States Capitol. This incitement may be the single worst thing a president has ever done, and it will define you for centuries to come.
Note: The particularly important details and music artist names are in bold text. Licensed music track names are in italics. The year is 1973, five years after the events of the Mafia III, and 22 years since Vito Scaletta’s seen or heard from his old friend Joe Barbaro. The canon ending of Mafia III with this Mafia IV story is Vito taking over the city after Lincoln skipped town, however Cassandra and Burke are left alive and loyal to both Vito and Lincoln still. Burke was able to survive his liver cancer by getting a black market liver transplant in Mexico, like he did in his ending, except with Vito running the city. On Vito and Lincoln’s behalf, Burke and Cassandra agree to stay behind in New Bordeaux and keep the city locked down, incase Leo Galante and the Commission try anything. The beginning cutscene is Vito answering his telephone after getting up in the morning in his new penthouse, on the top floor of the New Bordeaux casino he finished that was once Sal Marcano's, and grabbing a cup of coffee. It's Alma with some urgent news. Lincoln Clay came down to the cigar warehouse to visit her after 5 years of silence, and he has big news. Joe is alive in Empire Bay and has been this entire time. However, as punishment for his actions, he's become Leo Galante's personal driver against his will and is forbidden from contacting Vito ever again, or else him and Vito will be killed. Alma then tells Vito to meet Lincoln at the airport to learn more, as he's already there awaiting Vito's arrival. When they're away from anyone who could listen in on their conversation, Lincoln tells Vito he has a friend named John Donovan he's going to introduce him to, hiding in the outskirts of Empire Bay, ready to help Vito and Lincoln with their new mission Vito gets dressed in one of his signature trench coats with a suit and tie, ready to rain down hell on the Vinci crime family and their allies, and finally be reunited with his lifelong friend he previously thought was dead, Joe Barbaro. Here is my idea for the kill list, all related to the Commission in Empire Bay and their allies.
Leo Galante - Top target on the list, Vinci family consigliere who's in with the Commission and the man you thought put Joe in the ground for the past 22 years. Bury this wrinkly old cocksucker.
Johnny Galante - Vinci family capo and younger relative of Leo's mentioned in Cassandra's ending, possibly Leo's cousin even. John Donovan knows that the two are close, and that Johnny's a valuable asset to Leo's organization. Kill him both to hurt Leo's earn and influence, and to hit him straight in the heart by taking away his family and everyone he loves
Michele Galante Jr. - Another Vinci family capo, and Leo Galante’s youngest brother. Killing Leo’s little brother will both take away one of his most reliable allies, and leave him stricken with grief and enraged, and more prone to making mistakes.
Nunzio Galante - Leo’s seasoned older brother by 3 years, and yet another Vinci family capo. He knows enough about smuggling that he worked out an ingenious plan for smuggling military grade weapons into the city. He pays off corrupt officials at Empire Bay International Airport, to allow guns to be loaded inside the walls and floors of planes, unknown to everyone onboard save for the palms the Galantes and Frank Vinci have greased to cooperate and keep quiet. The time has come to put this crafty old bastard in the ground.
Don Frank Vinci - Frank Vinci is the boss of the Vinci crime family, the family Leo's been a consigliere of for decades, and a lifelong friend of his. Kill Frank, and Leo loses more ground than he could ever imagine, and will be forced to deal with both the loss of his boss, and the loss of his lifelong childhood friend.
Don Ennio Salieri - Longtime close friend of both Frank Vinci and Leo Galante, Don of the Salieri crime family, and a third party Frank and Leo call in to crush Vito's uprising, when it becomes too big of an issue for Vinci alone to handle. Salieri was eventually able to grease enough palms while behind bars to have his life sentence overturned, and he got released from prison on good behavior in 1953, after he served 15 years of his sentence. He’s since relocated to his main operations to Empire Bay, having already had connections and men present there while he was in prison, backed by the Commission and the Vinci crime family. He's seasoned, but he’s nothing Mr. Scaletta can't handle. Give this tired old fuck the gangland ending he's had coming.
Isaac - Isaac is the personal assistant to an influential loan shark named Bruno Levine, who handles the money of the Commission, including the Vinci crime family and the Salieri crime family. He does anything from serve his boss coffee, to count incoming and outgoing money for Bruno. Because of his duties, he's aware of Bruno's location at all times. You’ll need to get to Isaac to get information on his boss out of him, and dispose of him afterwards if you want to get to Bruno.
Bruno Levine - Bruno is a Jewish-American loan shark who kicks up all of his earn to both Frank Vinci and Ennio Salieri, and the Commission in Empire Bay. Killing him kills a lot of earn for the Commission, and they loses a valuable asset. In addition to getting rid of him being practical, to add insult to injury, he gave your father that loan. It's about time to put this asshole out of business.
Mr. Chu & Mr. Chu Jr. - This old man has been leading the Empire Bay Triads with an iron fist since before you were even born. The bastard has a son too, who eventually went on to become his underboss. The Empire Bay Triads became a close ally of the Vinci crime family, the Salieri crime family, and the Commission shortly after Vito killed Don Carlo Falcone in 1951, forming a lucrative partnership with the Commission. Mr. Chu and his eldest son are valuable assets for Leo Galante who give him extra reach. Melt their iron fists and show these two pricks just who they fucked with.
Eddie Scarpa - This cocksucker used to be Carlo Falcone's underboss for as long as you could remember. After you whacked Falcone in the fall of 1951, he decided to throw in with Vinci to save his own skin. He took over the smuggling and dock union extortion that fat fuck Derek Pappalardo used to run. You know all too well how to deal with this sorry fuckin' rat.
I'm thinking Vito and Joe work with Lincoln Clay and John Donovan to split up Empire Bay and distribute territory to three other factions not unlike what Lincoln did with New Bordeaux. This time though, this is a much larger city in a much, much different part of the United States. The empire building mechanics would be a lot smoother, more robust, and streamlined compared to Mafia III. They would work similarly a more modernized version of how the hit city sandbox game Scarface: The World Is Yours handled it's empire building and management mechanics, minus the whole switching to other characters lower on the ladder to do your bidding. This would be ideal for a story rich organized crime game in my opinion. Here are my ideas for those factions, all close allies of the up and coming Scaletta crime family. The Cuban mob led by Alma Diaz. Vito goes way back with Alma, and she does not hesitate to answer him and Lincoln's calls to save Joe's life and royally fuck both Leo Galante and the Vinci family. Conti crime family, led by Enzo Conti. This Conti crime family formed sometime in late 1968, months after Lincoln helped Enzo flee New Bordeaux and drop off of Sal Marcano's radar. It turns out he fled north to Empire Bay and finally formed his own family, having more than enough years of experience in the underworld to handle the job. Lincoln's tight with him and manages to recruit him to Vito and Joe's cause. The Yakuza, based out of Empire Bay's Japantown. Longtime sworn enemies of the Empire Bay Triads, with bad blood going back decades. They would greatly enjoy seeing Mr. Chu and his son's heads mounted on pikes, along with whacking everyone who's ever supported their organization. You don't know them well, and they're known to be very unpredictable and ruthless. Use these traits to your advantage when taking on the Commission of Empire Bay and their friends. I should mention as expected, this entire 1973 section where you play as Vito is much shorter than Mafia III. Vito's takeover is shown much more quickly over time than Lincoln's, and there's time skips during it, to keep it short and sweet, and to show onscreen only what's important. There is also no option for your underbosses to betray you, as to reduce confusion and keep the story consistently the same each playthrough, like the first two Mafia games. However, unlike Mafia III, after all of these tasks are completed and every single assassination target on Vito’s kill list is dealt with, the game does not end. In fact, it's not even anywhere near close to being over yet. Vito's 1973 section was merely the beginning act. It was really a lead up to an entirely new Mafia story, centering around a newcomer to the American mob. Fast forward two years following Vito’s rampage that led to him taking over Empire Bay and the Commission, in the year 1975 him and Joe now rule Empire Bay, with Vito as the Don of the Scaletta Crime Family, and Joe working as his loyal underboss. You play the rest of the game as a young up and coming soldato named Louis in his 20’s, who’s a rising star in Vito’s organization. Do right by Mr. Scaletta and Mr. Barbaro, understand kid? My basic idea for the character and his backstory is that he's a young Italian-Canadian mobster from Toronto, Ontario, or whatever Mafia's equivalent of it could be called. Let's call him Louis DeSimone. His family hails from Tuscany in Italy and moved to Toronto, Ontario in 1939, shortly after World War II broke out in Europe. Louis DeSimone was born in July 1952 in Toronto, and was raised in Toronto's Little Italy. Being northern Italian and hailing from Tuscany, Louis has blond hair and green eyes, making him visually very distinct from past series protagonists, who were all dark haired brunets with brown eyes. Louis fled south to Empire Bay when the feds started cracking down on his old family and put his boss in prison, and he ended up finding a new home with the Scaletta crime family. The first few missions playing as Louis DeSimone involve shooting your away out of an arrest by a Toronto Police Service SWAT team in Toronto in December 1974, seeing the rest of the members of your old crime family either get arrested or shot in front of you as you make your escape. You spend the next two missions fleeing Ontario through Quebec and upstate New York, before finally arriving in Empire Bay in early 1975, late January to be exact. Winter is in full force with snow everywhere, Louis' arrival to Empire Bay for the first time in his life mirroring Vito's return to Empire Bay in 1945 30 years earlier, except under far different much more dire circumstances. Louis' older brother and his father, both capos in his old crime family in Toronto, are shown to be arrested by the TPS SWAT team in his first mission, the same one that attempted to gun him down when he resisted arrested. Louis knows someone had to have ratted out his old crime family, and he wants to find out who someday. The thing is though, he doesn't just want to kill them. He wants to get out of them why they did it before he kills them. More than anything else, he just wants to find out why his crime family was betrayed and served up to the feds on a silver platter, having most of his biological family sent to prison in the process. He’s out to uncover the mystery of why his family fell apart, and he’s more than willing to help people like Don Vito Scaletta and his underboss Joe Barbaro to eventually get the answers he seeks. In the end, he’s not even after revenge primarily, more than that, he wants answers and information regarding the fare of his old crime family, and wants to know why his family fell apart. I came up with the idea for this character because I figured that playing as a fugitive from the law made sense for the mob life, and I'm surprised we haven't had a fugitive protagonist in the Mafia series yet. In the 1975 chapters while playing as Louis, the Watergate scandal, President Richard Nixon’s resignation, and the official end to the Vietnam War are all discussed on the in-game radio during news segments. In the last 1979 chapter, the beginning of the Soviet-Afghan War is also the subject of a news segment on the radio. The story eventually transitions into the 1980's as years pass, with the scenery, cars, and music changing accordingly, and historical events of the time discussed in the game. In the 1989 section of the game, the murder of the infamous former Sinclair Parish Sheriff Walter “Slim” Beaumont is mentioned on the in-game radio, as just over 21 years ago Slim and his corruption ring were the top headline of national news. the time the game ends, it's 1992, and significant historical events from the past few years at the time that are covered on the radio in-game include anything from the fall of the Berlin Wall, the Gulf War, the collapse of the Soviet Union, to the 1992 L.A. riots. The rise of the internet and home computers are briefly touched upon during news segments on the in-game radio during the early 1990's section of the story, but not greatly delved into given their relative infancy in that time period. During this entire 1975-1992 stretch of the story, Vito is no longer playable, and Don Scaletta takes a backseat in the story as a main supporting character, similar to Don Salieri throughout Mafia: Definitive Edition. You now play as the Italian-Canadian Scaletta family soldato Louis DeSimone, who is later promoted to being a capo in 1985. At the end of the game in 1992, Louis is promoted to Consigliere of the Scaletta crime family, and it’s revealed in the epilogue that he became the don of the family in 2006 at the age of 54, and his now released from prison older brother serving as his underboss, and and Enzo Conti’s grandson Giovanni Conti serving as consigliere, taking over from Louis’ previous position which before that belonged to his father and Enzo’s only son, Lorenzo Conti from 1973-1992. It is worth noting that unlike Don Salieri, Don Scaletta has much more integrity, and has more genuine loyalty for his men and his associates. If you've beaten Mafia 1 or Mafia: Definitive Edition, you'll know this is something Salieri lacked in the end. Over time, Louis also goes from having a strictly business relationship with Vito and Joe, to bonding with them and becoming a genuinely close friend and trusted member of the family, seeing Vito as something of a second father, and coming to see Joe as the fun uncle he never had. Another major character development theme is Louis DeSimone adapting and assimilating into Italian-American culture in his new home in the Northeastern US, it seeming like something new mixed with the familiar Italian-Canadian culture he was raised in back in Ontario just north of the border. The game will include a number of hit music from the 70’s that played on the radio back then, such as Bobby Womack’s Across 110th Street and Tony Christie’s (Is This the Way to) Amarillo, The Grateful Dead's Casey Jones and at least a few songs by the then new American rock band Cheap Trick, as well as popular songs from the 1960’s people still listened to at the time, such as Sam the Sham and the Pharaohs’ Wooly Bully, King Crimson’s 21st Century Schizoid Man,Zager and Evans' In the Year 2525, The Zombies' Time of the Season, and Nancy Sinatra’s These Boots Are Made for Walkin'. When you progress through the game, especially after you switch to playing as Louis DeAngelo for the rest of the story, years change, and the music changes. Different songs start playing on the radio, such as Sylvester's You Make Me Feel (Mighty Real),Randy Crawford's Street Life, and The Village People's Y.M.C.A., Cheryl Lynn's Got to Be Real, Gloria Gaynor's I Will Survive, and the Bee Gees' Stayin' Alive start playing in the 1979 portion of the game. After you've completed the 1975 section of the game, Foghat's Slow Ride starts playing on the radio. Starting in the 1977 section of the game, Cheap Trick's I Want You to Want Me and Heart's Barracuda start playing on the radio. In the 1980's portion of the game, Thomas Dolby's songs Hyperactive! and She Blinded Me with Science, in addition to Night Ranger's Sister Christian also start playing on the radio. If Hangar 13 can afford the licenses, I also think a few Michael Jackson and Madonna songs should definitely be on the radio during the 1980's portion of the story, given the immense popularity and regular radio airtime those two had in that decade. If this ended up being possible, I imagine that Michael Jackson's Smooth Criminal, Beat It, Bad, and Billie Jean being on the radio in the 80's sections would be a must, Smooth Criminal especially because of how well it suits the series. Madonna's Lucky Star, Burning Up, Like a Virgin, and Borderline would also be perfect for the 80's portion of the game to me. Also mentioned by NPCs and civilians in the game are topical events of the time period, such as the release of the groundbreaking 1973 horror film The Exorcist at the end of Vito's playable portion of the game. Other music of the 1980's segment when playing as Louis DeAngelo for the remainder of the game includes hits of the era such as Joe Jackson's Steppin' Out, The Buggles' Video Killed The Radio Star, Corey Hart's Sunglasses at Night,Laura Branigan's Self Control and Gloria, The Weather Girls' It's Raining Men, A-ha’s Take On Me, Men at Work's Down Under, Kim Wilde's Kids in America, The Gap Band's You Dropped a Bomb on Me, Culture Club’s Karma Chameleon, Michael Sembello’s Maniac, Twisted Sister's I Wanna Rock and We're Not Gonna Take It, Bon Jovi's Wanted Dead or Alive and Bad Medicine, Soft Cell’s Tainted Love, Robert Palmer’s Simply Irresistible, Rick Astley’s Together Forever, Whenever You Need Somebody, and Never Gonna Give You Up, Cutting Crew’s [I Just] Died In Your Arms, Loverboy's Working for the Weekend, Dead or Alive's You Spin Me Round (Like a Record) and That's the Way (I Like It), Tiffany’s I Think We’re Alone Now, Daryl Hall & John Oates' Maneater, Aneka's Japanese Boy, Mötley Crüe's Dr. Feelgood, Girls, Girls, Girls and Kickstart My Heart, Billy Joel's We Didn't Start the Fire, Huey Lewis And The News' Hip To Be Square, Bill Medley's (I've Had) The Time of My Life, The Police's Every Breath You Take, Whodini's Magic's Wand, Guns ‘N Roses’ Welcome to the Jungle and Paradise City, Tears For Fears' Everybody Wants To Rule The World, Rockwell's Somebody's Watching Me, Regina's Baby Love, Nena's 99 Red Balloons, Earth, Wind, and Fire's Let's Groove and September, Billy Idol's Eyes Without a Face and White Wedding, Rick James’ Give It To Me Baby, Olivia Newton-John’s Physical, The S.O.S. Band’s Take Your Time (Do It Right), Kenny Loggins’ Highway to the Danger Zone, Wham!’s Everything She Wants, George Michael's Careless Whisper, Toto's Hold the Line and Africa, Blondie's Heart of Glass and Atomic, and Mai Tai's History. **Note that not every single year and moment of the 17 year 1975-1992 section playing as Louis DeAngelo is playable or chronicled. My idea is it would be handled similarly to how the time skips in Mafia 1/Mafia: Definitive Edition were handled. Time skips of two or more years, or in this case, even longer such as 4 years sometimes, the game skipping from 1979 to 1983. This is to keep the game and story length ideal, and not risk it getting boring or repetitive, or going on for too long. Repetition was a big problem in Mafia III even if I still thought it was a superb game, so I think it'd be best to learn from that for the next big entry. The games story will skip ahead and show onscreen only what's significant, similar to the first Mafia game and it's remake, as well as certain aspects of Mafia II. Louis starts his section as a 22 year old fugitive soldato who got picked up by another crew south of the Canadian border, and in the epilogue of the game in 1992, is promoted to the consigliere of the Scaletta crime family at the age of 40, being set to take over the family once Vito and Joe become too old to run the day to day on a regular basis. Louis DeSimone is promoted to don of the Scaletta crime family following Vito and Joe being officially retired as of 2006. They’re both still involved and paid huge amounts of money by Louis out of respect, but keep a much lower profile by then since they have handpicked successors and aren’t worried about where the business is going. The years chronicled in the main gameplay segments are as follows: 1973 1975 1977 1979 1983 1985 1987 1988 1989 1990 1991 1992 Much more of the rural areas and countryside outside of Empire Bay are included than what was available in Mafia II. The way rural environments are handled for this hypothetical Mafia IV is akin to how Mafia: Definitive Edition and Mafia III handled their rural environments outside the main cities, except much larger in scale, given the increased power of the current new consoles such as the PS5 and Xbox Series X. This region is based off of upstate New York and the surrounding areas across multiple states in the Northeastern US, and includes forests, fields, mountains, rivers, lakes, beaches, and small towns. Also included are other cities and towns, based off of other large cities in New York like Syracuse, Buffalo, and Rochester, where other story missions, business activities, and side missions take place, along with smaller notable places like Ithaca, Binghamton, and Utica. The entire states of New Jersey, Massachusetts, Rhode Island, Vermont, New Hampshire, Maine, Delaware, Maryland, and Ohio are also included, including places based off of all of their major cities and most of their notable towns in between. Large portions of Pennsylvania are included as well, including Philadelphia, Pittsburgh, and Scranton. All of the province of Nova Scotia including the city of Halifax, and Large portions of the eastern half of the Canadian province of Ontario are included as well, including cities based off of Toronto, Ottawa, and Niagara Falls. There's even a small portion of Quebec included, including Montreal and the surrounding countryside of the province outside that city, including a few small towns in southern Quebec. The player must pass a quick border patrol check when crossing the US-Canada border in a car or other ground vehicle. Wildlife is present in the game, mostly to add to the background, scenery, and immersion in rural environments on the map. These are all animals native to the Northeastern US, ranging from white tailed deer, coyotes, bobcats, Canada lynxes, rabbits, hares, groundhogs, gophers, beavers, raccoons, opossums, bats, chipmunks, red and gray squirrels, mice, and rats to more formidable and potentially dangerous animals that may sometimes attack the player, such as grey wolves, black bears, mountain lions, and moose. These last four animals are known to spawn in the mountainous regions, especially in New York, Ohio, Vermont, Massachusetts, and Ontario, including the rural regions based off of the Catskills and the Adirondack mountains. Dogs are present in the cities, towns, and settlements where humans live and keep them as pets, being walked and sometimes found in people's yards. Some are used as guard dogs by enemies and are aggressive towards the player on sight. Domestic cats are also present in the background of residential areas, and both Louis and Vito own them as pets throughout the game in their safe houses, as well as other onscreen characters we see the homes of throughout the game. Aircraft make their first usable appearance in the Mafia series too, from airplanes to helicopters. Vito cannot use planes or helicopters in his playable 1973 portion of the game, as he does not know how to pilot, being a paratrooper in World War II who never actually flew any of the planes himself. Aircraft are unlocked to use when Louis DeSimone gets his pilot’s certificate offscreen in 1977, and at the end of a chapter set that year, Louis has to fly Vito in a helicopter to a penthouse in Downtown Empire Bay acting as a family safe house, equipped with a helipad. Louis frequently serves as a personal driver and pilot for both Vito and Joe afterwards, having done a lot in his time serving the family to earn their trust and respect. Melee weapons also make a return from Mafia: Definitive Edition, with even more variety this time. In their respective sections of the game, Vito and Louis may use anything from baseball bats, pipes, shovels, brass knuckles, golf clubs, police batons, switchblades, kitchen knives, bowie knives, ice picks, 2x4s, claw hammers, crowbars, tire irons, chain links, machetes, meat cleavers, pickaxes, hatchets, sledgehammers, to fire axes. This amount of melee weapons is so no matter what environment the player finds themselves in during a mission or any other game activity, there is usually a weapon of some sort nearby. If the player has obtained piano wire, you may also strangle an enemy to death with it from behind as a stealth kill, this being a classic assassination method infamous for being used by the Italian Mafia. Rope can also be found and used for similar strangulation stealth kills, appearing in the gameplay environments where piano wire can’t be found. There is a wide variety of new guns and explosives to use in this concept for Mafia IV, going with the new weapons of the time the game takes place that criminals quickly got their hands on. This includes the SPAS-12 combat shotgun, the Beretta 92 pistol, the AK-74 assault rifle, the mini uzi, the MAC-10 submachine gun, both suppressed and unsuppressed variants, the Beretta 92 pistol, the Taurus raging bull revolver, Glock handguns, the TEC-9 machine pistol, illegally modified to be full auto, the Ruger Mini-14 full auto variant, and even Vietnam war era flamethrowers, which I think is only natural given that as of Mafia III, we already have RPGs and grenade launchers. Late in the game from the 1989 section and onwards, the Benelli M3 combat shotgun becomes available. The Milkor MGL grenade launcher becomes available beginning in the 1983 portion of the game. Attached grenade launchers are also available for the AK-47, AK-74, and M16 assault rifles. More advanced rocket launchers of the 1970’s and 1980’s are naturally included as well. Free ride makes a return in Mafia IV, with the player having the options to change the weather, time period, and an option to play as Louis, Vito, Joe, Lincoln, or John Donovan. Naturally, a multitude of new free ride missions are available as well. I previously posted a much earlier and less detailed draft of this on the old Mafia3 subreddit 3 years ago back in 2017 as an idea for a hypothetical Mafia 3 expansion where you play as Vito, but have since updated and revamped it to a possible Mafia IV plot, and fixed any plot holes I noticed and made it much more fleshed out and in depth, and focus on more than just Vito in the end. You may view my original here if you so desire, to compare. https://www.reddit.com/Mafia3/comments/6sldhp/spoiler_mafia_iii_vito_dlc_basic_plot_idea/ Feel free to give me constructive criticism on this, as I encourage this discourse and believe it is integral to growing and improving, to build upon or improve these ideas I've come up with, or say whether or not you think something like this should happen in the future. Thank you for reading!
I am 36 years old, make $66,900, live in Portland OR and work as a Data Coordinator.
Section Zero: Background Hello all, happy hoildays! I stumbled upon this subreddit not long ago and have enjoyed the commentary and experiences everyone's shared. Wanted to add another perspective from a mid-30s first-gen American. I've had some missteps regarding careers and finances, but I feel like I'm in a slightly better place now. I tried YNAB in the past but I wasn't consistent enough with it. These days I use Mint to monitor my finances and have a "Finance Friday" each month to review all my accounts and spending. I currently live with my partner TJ and his dog RR. We do not combine finances, but he has been unemployed since March. I have helped him with some bills and basic necessities here and there until he finds his next job or career. My current financial goals are to just maintain a status quo and not get any debt until pandemic times are over. Then I will focus on a house remodeling fund and savings for taking care of my parents. Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? My parents taught us about money from a frugal perspective. They are immigrants who worked in food service/factories. There was always this “save save save” mentality. Even when they started their own small business, we saved like there was no tomorrow. In high school, my calculus teacher bought us all “The Millionaire Next Door” book and had us read it as an assignment - that was my first structured introduction to finances. Did you worry about money growing up? No, there was always food on the table and a roof over our heads. I knew that our extended family would support us if needed. Was there an expectation for you to attend higher education? Did you participate in any form of higher education? If yes, how did you pay for it? Yes. My dad didn’t finish the high school-equivalent in their country, while my mom did finish high school, but no college. My older and younger siblings took a different path in life after high school. I am the first and only in my family to graduate from college. My parents covered all tuition for my two bachelor degrees with the agreement that I support them fully during their retirement and send them gifts/extra money whenever I can. I feel very lucky and privileged that they were able to provide that education for me. At what age did you become financially responsible for yourself and do you have a financial safety net? 24 when I went on a work holiday abroad. My family was always available to help when needed, but the experience abroad helped me stand on my own feet. As an adult, I also inherited that “save” mentality and put a lot of my earnings towards savings. I didn’t date until my 30s, lived frugally, didn’t go out to eat/hangout with people, shopped thrift stores, and had very few hobbies. I am starting to “live a little” now though. Do you or have you ever received passive or inherited income? Aside from the tuition, my parents have helped with a down payment for my first house and living costs during periods of unemployment. Section One: Assets and Debt Retirement Balance If the place I was working at offered a 401k, I would always contribute up to the company match. I started my IRA in my mid-20s and would try to contribute the yearly max. I've stopped that the past 2-3 years though. My Other Brokerage is some play money, but I got tired of staring it and switched to index funds. I haven't contributed anything to it in a few years.
401k: $34,127 (5% company match on contributions)
Brokerage: $22,421 ESPP
Roth IRA: $40,615 VTIVX
Rollover IRA: $15,760 VTTHX
Other Brokerage: $7,235 VTI
Coinbase: $1,286 ETH (mostly just playing around with it)
Equity if you're a homeowner Purchased my first home for $382,000 with 20% down, right before lockdown earlier this year. Perfect timing, right?? I plan to live here until my retirement. My parents contributed $15k while I used most of my savings for the rest.
Current Equity: $80,371
Savings account balance: $3,073 Checking account balance: $7,800 Credit card debt: I charge everything on my credit card for the points, then pay it off each month using my checking account balance. Student loan debt: Traditionally no student loan debt as mentioned in Section Zero. Section Two: Income Income Progression (listed as gross income with cost of living area): High School
$11/hourMCOL - Helped with small family business.
College and first “career” job
$12-19/hour MCOL - I did events/banquet serving after classes and had an internship doing software administration.
$22/hour MCOL - Junior web developer. I realized after a year that programming was not my calling.
Mental health break
$12/hour LCOL - Work holiday abroad. I got a steady banquet server job for that whole time. It was enough to live minimally in a hostel, do weekend trips, WOOF and figure my life out.
College (again) and second “career” job
$12-15/hour LCOL - Decided to go back to school for a different bachelor's degree. While pursuing that degree, I worked at hotels and events as a banquet server again. I also did “search engine evaluation” whenever there were tasks available.
$36,000/year salary LCOL - Software administrator at a casino after graduation.
$39,000/year salary LCOL - Systemsanalyst at same casino. I left after 2 years, feeling disillusioned with the casino industry. I moved back home with my parents until I could get back on my feet again.
Third “career” jobs
$20/hour HCOL - Entry level advertising role. I was applying to all types of office jobs and that was my only bite.
$45/hour MCOL - Cold-called from a global company who needed someone with my software administrator experience from the casino job. It was an 8 month contract. Although I was starting to love my advertising job, the increase in pay was no question.
$65,000/year salary MCOL - After the contract ended and a few months of unemployment, I landed my current job at the same company. It is an “early career” role according to their job levels.
$66,900/year salary MCOL - Cost of living and merit increases after 2 years on the job. Pre-COVID we got a $5000 bonus each year. They have now stopped bonuses as well as all COL and merit increases.
Main Job Monthly Take Home: Monthly Net (paid bi-weekly): $2,758 Deductions:
Side Gig Monthly Take Home: No side gigs at the moment, but I am thinking of signing up on Upwork.com and doing Excel/data entry projects to help pay the mortgage. Other Income: TJ’s friend will be staying with us for a month in January, who will pay rent of $800 including utilities. Depending on how that goes, we may take on a roommate in the spare bedroom long-term. Section Three: Expenses Mortgage - when I bought the house, the plan was that I would charge TJ a portion of the mortgage costs as “rent”, but since his unemployment I am now covering it all myself. Regular Monthly Payment: $1677.57
Principal: $501.31
Interest: $849.74
Taxes & Home Insurance: $326.52
HOA: $30/year Retirement contribution: Nothing additional than what's been mentioned. Savings contribution: I used to do $50-100/month, but since COVID I’ve stopped contributing to my savings account. Investment contribution: None at this time. Debt payments: $100/month towards TJ's credit card balance of $2,307. Donations: $10-20/month, usually towards Omaze or Planned Parenthood. Utilities:
Electric: $45-65/month
Water: $60-90/month
Sewer: $30/month
Garbage: $26/month
Natural Gas: $30-80/month
Xfinity internet: $60/month
Cellphone: On my parents plan. Subscriptions:
LinkedIn: $29.99/month for TJ’s job search - he’s found it very useful.
Amazon/Netflix/Hulu: We piggyback off family and friends’ accounts.
Nintendo Switch Online: 19.99/year
Costco: $60/year
Gym membership: Pre-COVID I did Orangetheory for a year. I started to pick up free exercise equipment from Craigslist this year, so we have a small garage gym now and utilize YouTube exercise videos instead. Pet expenses: $10/month. TJ has stockpiled some Costco canned dog food before unemployment, but once that runs out I will likely cover the costs. We also started to make homemade dog food to help supplement. Car insurance: $460 every 6 months. Car is paid off. Regular therapy: I will start in the new year. Not sure what the costs are yet, but I will use my HSA to pay. Vitamins/Medications: $20/month Groceries & household items: $75/month Miscellaneous (eating out, house purchases, gifts, etc): $100/month Section Four: Money Diary Monday 6:30am Neighbor starts up their truck. We joke that it's our natural alarm clock. They idle for about 15 minutes before heading off. I go back to bed. 9am My real alarm goes off. I put the electric kettle on for some morning tea. While it's boiling, I do my morning routine: drink glass of water, take synthroid, use bathroom, brush teeth, quick shower. I then make tea - Jasmine Pearl English Breakfast with dark forest mix. I started ordering loose leaf tea in large amounts back in March instead of small bags or single serving packets. Seems more economical since I drink it daily. I let the dog out into the backyard so he can do his morning routine. 9:30am I go through my daily tasks for work. They entail checking processes and reports to make sure they ran successfully overnight. I then answer some emails and catch-up on Slack channels. 12pm Lunch is leftover roast chicken and quinoa from Saturday. I heat it up in the instant pot. Love that thing! Almost every meal of ours involves the instant pot. We hardly use the stovetop. We then walk the dog to the business park across from our neighborhood. There's a very short trail that runs along a drainage creek by the business park. It's quite muddy, but has a nice woodsy feeling. Over the summer, we saw sumac trees there as well. Free sumac spice! 1:30pm Department meeting on Zoom. Our director announces his resignation on the call. Everyone is shocked! Layoffs were announced for next year but this was not a part of it. I think it's a good move for him and he doesn't have to have this worry of layoffs over his head. 3pm I meet with an engineer from another team and talk about a data source they are in charge of. He helps me out in understanding it and we identify most of the fields that I need for a project I’m starting. 5:30pm I check in with my partner. He's been watching LinkedIn tutorials on internal recruiting, job coaching and general computeoffice skills. It's a career change that he wants to make - something where he can talk to and help people. He doesn't have a bachelor's, only an associates, and hopes these tutorials will get him a leg up in the job search. I sent him some entry level HR admin roles the other day and remind him to apply. I then heat up leftovers: homemade chana masala and rice. I add some butter and coconut milk to thin it out, so there's enough for both of us. 10:30pm I take some magnesium, vitamin D and Airborne. I say goodnight to the dog who sleeps in the office. Then I say goodnight to TJ. He sleeps in the spare bedroom on weeknights due to his snoring keeping me up. I'm a light sleeper while he is a pretty deep sleeper. Daily total: $0 Tuesday 9am I check Reddit Secret Santa. My match seems like a really good person. Not sure what to get, but most likely will purchase something off their wishlist. I wish I was more creative with my gift giving. 11am Meeting with business stakeholder. She submitted a few changes to an existing data process about a month ago. I make the change while on the call and have her test. Success! Marking it off the todo list. I love when we can finish things directly on a call. 12:30pm I come out of my office to make lunch. I notice my partner is not home. I check my messages and see that he's stepped out to pick up a few things. I ask for celery, carrots, and kombucha. $17. I make a quick charcuterie board for lunch: Costco salami, cheese, homemade hummus and Triscuits. It's a simple, fast meal that’s always in our rotation. 2pm My partner is back and we take the dog out for a walk and quick round of disc golf at a nearby park. We mask up and play only a few holes. Disc golf is a pretty frugal activity, you only need 2-3 discs to get started. TJ remarks that my throws are getting better, but then again they weren't great to start with. We talk about Christmas/Birthday gifts on the way back home since he was born on New Years Day. He mentioned snowshoeing but asked to not spend that much. I'll do some research! 5pm I think about personal career projects. Should I put up a portfolio of projects somewhere? I decide to try and pull some Yelp data. There’s not a lot of data points that I was interested in. Regardless, I tinker with it for an hour. TJ asks if I'm hungry. I said not so much, but felt thirsty. Maybe some ginger soup tonight? 7:30pm Dinner is served - ginger carrot soup made in the instant pot. We eat some rice crackers with it. Lately I feel like we've been eating more vegetarian dinners. It definitely helps stretch our food budget. We end the evening by finishing Fargo season 3 on Hulu. Daily total: $17 Wednesday 1:30am I'm woken up by the dog. He's been sneezing a lot and wheezes at random intervals. TJ doesn't have the money for a vet visit but I've offered to pay as long as he calls to make the appointment. I give the dog some coconut oil, rub his belly until he seems better and go back to bed. 7am Garbage day. We usually put it out the night before but I forgot. I get up to go, but TJ handles it. I think, at least. I'm too sleepy to pay attention and go back to bed. 9am I wake up and rinse some dishes that have piled up and put them into the dishwasher. We both grew up in households that had a home dishwasher, but forbade from using it. It was drilled into us that hand washing saves more water, unless you had a restaurant/industrial dishwasher. I think with modern home dishwashers, that's changed, so I wanted to try it out with our dishwasher and monitor the water bill. Don't have any dishwashing pods or powder, so I put some OxiClean in it. 12:30pm I overhear TJ on a call with a recruiting agency. It seems to be going well, lots of laughing. I heat up some taco lasagna that I freezer meal-prepped last month. 2pm Collaborate on a project at work with an engineer. My manager put me on this project since I was asking for an assignment on a more technical team. I'm learning tidbits here and there, but I don't feel like it's structured enough. 5pm I do an Orangetheory-At-Home workout and try to break a sweat. It's not the same as going to their studio. 6pm Charcuterie for dinner. Our fridge is full of store-bought and homemade pickles that go super well on a charcuterie board. Daily total: $0 Thursday 7am I wake up tired. The house has been feeling more cold, which woke me up a few times. We keep the temp at 72F during the day, at night around 68F since we thought the bedrooms keep the heat in pretty well. My mistake! 9am I do my usual morning routine and login to work. My team mostly spends the morning sending each other emojis. 11:30am Lunch today is mini quiche, frozen chicken and veggie entree, and hot dogs. Not the most cohesive meal, but it fills the belly. 12:30pm TJ heads out to his mailbox that's 30 minutes away. He is still waiting on his tax return and a 401k withdrawal. His taxes had to be filed by mail for some reason, then the IRS office shut down due to COVID. So he wanted to see if it arrived yet at the mailbox. He also takes the dog to the vet's urgent care on his way. They didn't have any regular openings available until the end of the year, and the dog seemed to be getting worse. I give TJ $40 to mail a gift package to a friend in France and also reiterate that I'll cover the vet bill when he gets it. 4:30pm I pay some bills, my favorite activity (not)! Sewer bill: $59.44 (billed every 2 months). Geico bill: $459.60 billed every 6 months. Then I follow up with my mortgage officer over email. I had sent her some documents for a refinance quote last week, but haven't heard back. Rates keep dropping, so I'm told, but what does that really mean? I do some research on realestate. 5pm TJ messages me and says he'll be back for dinner. I ask him to pick up some Popeyes via drive thru since we both don't feel like cooking today. Popeyes is currently our fancy “going out to eat” food. $24.17 for a 4pc dinner meal and a 2pc dinner meal. Daily total: $583.21 Friday 8:30am Busy morning at work. My phone is buzzing with emails and Slack messages. I try to answer them while I make tea. 10am Zoom Department happy hour. We reminisce about our director and then play those Jackbox party games. Some of them are hard! 11am TJ asks if he can make me anything for lunch. He suggests savory oatmeal, quick and easy. I tell him that I really appreciate him making meals/doing chores/etc without me prompting. We've been having conversations about "house project management" and mental load because I did most of the chores or I had to continually remind/tell him to do it. I'm really happy to see us progress on this front. I decide to work through my lunch break so I can end the day early. I don't often do that, but I'm ready to get the weekend started. 2pm I check on TJ in the spare bedroom and ask if the dog has been fed yet, since he was nipping at my feet. I notice something off about TJ and ask how he is doing. TJ is depressed about his personal life, career, finances. He doesn't know what to do, spends half the day meditating and reflecting on past trauma. I've been prodding him to get a therapist but he is confused about his insurance. He makes an appointment with a primary care doctor first. I feed the dog some homemade dog-friendly beef stew. 4pm My mom swings by the house (but doesn't enter). She currently works at a school who distributes free USDA food boxes since March. There's often many boxes leftover that would go to waste, so she will grab a box for us. Onions, potatoes, beets, turnips, eggs, cheese, butter, frozen veggies and frozen chicken. She also brought her vintage pasta maker. I asked last week if she ever used it these days and her reply was “no, feel free to have it”. I love pasta and noodles and figure it would be great to make it ourselves as a frugal hobby. 8pm We catch up on Mandalorian and watch silly Youtube videos before heading off to bed. Daily total: $0 Saturday 9am I open up my web browser and look at Craigslist and NextDoor for free stuff. I've been scouring for free landscape rocks, pegboards, and wood for house projects. I had this grand ambition to redesign our backyard. It faces our neighbor and currently the fence is pretty low. They can see into our kitchen and bedroom and we can see them. But y'know, COVID and going from dual income house to single income means it all has to be put on hold. So I've been looking for free items in the meantime. Over the past months, I've gotten planter pots, plant cuttings, a raised bed, stepping stones, all from free listings. I don't see anything worthwhile so I go and make some tea. 11am I look at Amazon and make some purchases for Reddit Secret Santa. A foodie kit, DVD of their favorite movie, and some cute pens for their writing hobby. $54. I hope they like it! 12pm TJ heats up leftover stir-fry for lunch for us. I put on some Binging with Babish and we watch how to make pasta. We have a plan - TJ makes the pasta, I make the sauce. Perfect date night activity at home. We watch some more videos on pasta and noodles to educate ourselves. 4pm I start prepping veggies. Big batch of onions, canned tomatoes, ground beef and butter in the instant pot. Meanwhile, TJ works on the pasta by following Babish's instructions. 7pm We gorge on fresh made pasta and bolognese sauce. It's so good! We end up watching Fargo. 11pm Usually I'll be in bed by now, but it's a Saturday and not tired yet (probably because of all that pasta). We play some Kirby's Dream Course on the Switch. Daily total: $54 Sunday 10am Quick walk around the neighborhood with the dog. He's on a new routine now with the medicine he's taking. It seems to be helping his breathing issues. 11am The pasta maker and flour is still out since we didn't clean up yesterday. There's some old pie crust in the fridge so I roll it out with the pasta machine for mini quiches. (Sally's Baking Addiction blog is my go-to place for her all-butter crust and quiche recipes btw). TJ helps by mixing up the eggs. 3pm I play some Genshin Impact (GI) on my phone while TJ plays Starcraft in the office. I don't usually play gacha games, but the Zelda BotW-style of GI appealed to me. A gacha game is a game with randomized characteitem boxes that you use real-money to purchase a “pull” or to spin the wheel. I know the gacha parts of the game can be a real money sink if you get addicted to them, it’s almost like gambling. My main team is Fischl, Bennett, Barbara and Noelle. I level up to AR 22 and look up free-to-play tutorials for the game. 6pm There's some leftover pasta from yesterday, enough for both of us. I throw in some roasted beets to round out the meal. We watch more Fargo while eating. Almost done with Season 3! 10pm I find a tour operator who offers a small, socially-distant snowshoeing tour up on the mountain. I reserve for two people - this will be TJ's Christmas/birthday gift. $75. Off to bed for another workday. Daily total: $75 Weekly Total: $689.79
Food + Drink: $41.17
Fun / Entertainment: $75
Home + Health: $59.44
Clothes + Beauty: $0
Transport: $459.60
Other: $54.00
Section Five: Reflections Aside from the car insurance bill, this was a typical week for me, COVID or not. We make the majority of our meals at home and usually splurge on drive-thru/delivery once every other week. I may have overspent on the Secret Santa gift, but I don't often give gifts out to friends. It's not something our family does either. For TJ’s Christmas/birthday gift, we usually talk upfront about costs. I’ve gifted him fancy restaurant experiences the past 2 years, since we can share that experience, but obviously can’t do that now. Snowshoeing is a nice change of pace. The conversations with TJ this week have given me thought on how to approach him differently about finances and working together in a relationship. I’m still unsure about the future financially, particularly as my parents near retirement age and that TJ has pulled out his 401k to pay his debts. I don't know if I can support both my parents and TJ together, so I am finding ways to upskill and/or side hustles without becoming a workaholic or bogged down by stress. Writing this money diary was also the first time where I really paid attention to my past income and current income. I might be contributing too much into ESPP that could go towards the 401k or mortgage instead? I also seem to have been underpaid for what I did in past jobs, even in a LCOL area.
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