• 00:00 🔑 Retirement Essentials: Car, Insurance, and Health

  • Having a car per person is crucial for independence.
  • Healthcare insurance, especially before Medicare eligibility, is essential.
  • Long-term care insurance consideration is significant, given the likelihood of needing it.

• 02:31 💪 Taking Ownership of Health

  • Taking responsibility for personal health is vital for a fulfilling retirement.
  • Lifestyle choices significantly impact long-term health outcomes.
  • Investing in health through diet, exercise, and mental well-being is key.

• 04:10 💰 Building and Maintaining an Emergency Fund

  • Having an emergency fund, ideally one year's worth of living expenses, is crucial.
  • A robust emergency fund provides financial security, especially in retirement.
  • Adjusting emergency fund size according to life stage and market conditions is prudent.

• 06:12 📈 Financial Preparedness and Asset Allocation

  • Maintaining excess cash for emergencies provides peace of mind during market downturns.
  • Allocating assets wisely, including cash reserves, can help capitalize on market opportunities.
  • Financial preparedness goes beyond immediate needs and considers long-term financial stability.

• 07:05 🏠 Homeownership in Retirement

  • Owning a home offers security, stability, and peace of mind for retirees.
  • Property ownership provides control over living space and potential tax benefits.
  • Homeownership is a personal choice influenced by lifestyle preferences and financial considerations.

• 08:01 📚 Cultivating Curiosity and Passion

  • Embracing curiosity and passion through learning and exploration enriches retirement life.
  • Reading and continuous education stimulate the mind and foster positivity.
  • Maintaining a sense of wonder and enthusiasm contributes to a fulfilling retirement.

• 09:00 🐾 Joyful Retirement Moments

  • Finding joy in simple pleasures, like spending time with pets, enhances retirement happiness.
  • Cherishing moments of joy and connection adds meaning to retirement life.
  • Incorporating activities that bring joy and fulfillment is essential for a satisfying retirement.

<shift> see red areas
<`> see NPCs

• 00:00 Choose a race and sub-race that complements your class for effective character building.
• 00:43 Defeat the intro boss early for valuable rewards.
• 01:52 Initiate fights by surprising enemies for an advantage; Rogues excel at this due to sneak attacks.
• 02:37 Utilize High Ground for a +2 attack bonus; Misty Step is helpful for magic users.
• 03:24 Push enemies off cliffs to exploit fall damage; avoid doing it to bosses to loot them.
• 04:23 Quick save frequently to redo failed checks or missed opportunities.
• 05:07 Interact with party members during camp visits for crucial dialogue scenes.
• 05:34 Aim for a balanced party composition with a healer, tank, spellcaster, and rogue.
• 06:44 High Perception stat or party member helps detect hidden items and traps.
• 06:59 Carry a shovel to dig up buried treasure in certain locations.
• 07:27 Send excess supplies to your camp storage chest to avoid encumbrance.
• 08:08 Loot all containers to find necessary supplies and valuable items.
• 08:35 Cloud of Daggers is a potent AOE spell, remember to turn off prolonged spells after combat.
• 09:02 Stay tuned for more tips and tricks, and share your own in the comments.

• 00:46 The game has spells and abilities based on race and class, make sure to lock down the UI bar to avoid accidentally losing them.
• 01:13 Inspiration points can be used for re-rolling ability checks, don't be afraid to use them as you can only store four at a time.
• 01:46 The map screen is useful, and you can return to camp without doing a long rest.
• 02:16 If you fail a perception check, you can go back to camp and exchange party members to try again.
• 02:29 Collect items for strategic use in encounters, like using poison to apply effects to your weapon.
• 03:01 Letting different party members handle actions and dialogue can lead to better outcomes in certain situations.
• 03:34 Characters can act separately, just drag their icons away from the party to break the chain.
• 03:54 The game becomes easier to understand with gameplay experience, but these tips will help in the initial playthrough.

1234 (* or #)).

I have another friend who always uses #1010 to get into gated communities, he said it almost never fails. If you add 1234, 1111, 0000, 4321

Duct tape
cooking cozie
separate food for each day
carry out town food
dental floss for teeth and repairs
Needle for dental floss
Butt pad
split hotel room
remove TP tube
rebounce the bounce box
utilize guides

More than I wanted to know...very thorough series of suggestions.