Section 0: Background
Hi everyone! I’m trying to tailor this a bit more to reflect the UK Money Diary style where I give context on the week before and reflect on it after. I also added in some of the questions from the recent thread about what Refinery29 should ask diarists (see here).
I wrote this the week of Thanksgiving; my partner and I stayed in NYC instead of going home to either of our parents’ homes. We wear masks and stay socially distant when we leave the house. I’m thankful that we live close to a park and live on a block where we know and enjoy talking to our neighbors.
This was a relatively normal week for us during a pandemic, save for me spending a bit more than normal and it being Thanksgiving. We’ve both lived in the city since college and have so-so relationships with our families, so we didn’t leave for “home” when the pandemic hit.
I also just named my boyfriend instead of giving him an initial. He’s the only person I actually saw this week, but the initials always throw me off when I read these.
What do money and success mean to you? What are your end goals?
It helps me to see money as a tool. I never resonate with people who say “money doesn’t buy happiness” because to a certain degree, it does. Money enables me to live the life I want.
I’m pursuing FIRE (financial independence, retire early) and hope to be financially independent (able to live off my investments) by my early 30s. To do so, I save 60%+ of my income per month. I want this because working for 40 years isn’t sustainable for me—I have a very cushy tech job and still get anxiety and rage about waking up every morning to work, the rat race, and being paid inequitably to male peers. I’d like to give myself the option to leave this world as soon as possible.
As an alternative, I could see myself successful if I open a product consultancy, where I advise early-stage startups on product management, what to build for their MVP, and product-market fit. I’m really interested in tech ethics and the questionable practices in venture capital, so I’d love to be in a place where I could be picky about what clients I take and help truly mission-driven businesses thrive. I could see this also working as a small business incubator—why not apply what works in startups to small businesses?
I don’t yet have a firm picture of what I’d like my life to look like when I retire. I’m interested in spending a lot of time reading, traveling to new places for extended periods of time, and potentially writing a book. I get extremely interested in niche topics. Right now if I had to guess, I’d be writing a book about the ways multi-level marketing companies (MLMs) manipulate women.
Are you a spender or a saver?
Definitely a saver. My partner is more of a spender, and we’ve influenced each other well. Seeing him spend money on himself for video games helps me realize I can spend more money on myself for things I just want (see my big purchase for myself this week).
In turn, seeing me save a lot of money has motivated him to up his 401k contribution and overall savings. He’s also interested in FIRE, although I’d say my timeline is more aggressive.
If you could go back in time, what's the one piece of financial advice you would give to your past self?
Learn about investing, look up the terms you don’t know, and start doing it as soon as possible. Ask questions to people you know or on the internet.
On to the diary!
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Section One: Assets and Debt
Investment Balance
$131,175

• Retirement (includes 2 company 401ks and 1 rollover IRA): $55,730
• Brokerage: $27,233
• Roth IRA: $25,439
• Managed account: $17,923
• HSA: $4,850

Equity if you're a homeowner
N/A, I rent in a HCOL city. No plans to own anytime soon
Savings account balance
$10,270
Checking account balance
$3,433 in checking account for bills

• This fluctuates, but I try to invest anything over $2k. I’m pretty conservative with my checking account buffer, and don’t worry much about the interest I’m “losing,” especially because interest rates are so low right now

$2,518 in checking account for rent

• I keep a holdover account that’s connected to Venmo and Zelle to pay rent

Credit card debt
N/A. There’s $1,348 currently on my credit cards, but I pay them all off in full each month. My parents signed me up for a credit card as soon as I was old enough and taught me about how important it was to pay in full. In fact, I think this was so hammered into my brain that doing anything other than that each month was never an option. Because of this, I’ve always thought of credit cards as similar to debit cards—only spend money you have.
Student loan debt (for what degree)
I was fortunate to go to college on a full scholarship, including living expenses. I studied psychology and sociology, and I graduated without any student loan debt.
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Section Two: Income
Main Job Monthly Take Home: $6,570/month
I maxed out my 401k early this year, so for 8 months I was contributing $2,500/month out of my paychecks. That ended in September, so it changed my monthly take-home from about $4,650 to $6,570/month.
Deductions:

• 401k: $0/month (was $2,500/month)
• Medical: $128/month
• Dental and vision: $11/month

Income Progression

• I started in customer support right out of college, making $40,000/year + overtime, which ended up being about $52,000/year (thanks OT!).
• About a year later, I moved into an entry-level product role at the same company and received a raise to $60,000/year.
• The next year, I moved to a new company for a half-step promotion where I was making $82,000/year + 15% yearly bonus. The bonus was dependable enough that it was assumed as part of our total compensation, so let’s call it $95,000/year.
• Early this year, I switched companies again (noticing a theme?) for a promotion and now make $122,000/year.

I don’t have any other sources of income outside my main job. My partner makes a similar amount to me—about $117,000/year with bonus.
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Section Three: Expenses
I live with my partner and we don’t have combined finances, but split many expenses 50/50. We use Splitwise to log transactions. He’s more laid-back about being paid back, but I’m much more “I don’t want to owe anyone anything, and I don’t want anyone to owe me anything” (I know, rigid, but I’m working on it!).
Splitwise is nice because it’d be ridiculous to Venmo request each other for a $4 coffee, but we can see how expenses are adding up. If someone has racked up a few hundred dollars of spending for both of us, the other person will cover our expenses for awhile. It works for us!
Rent
$2,200 for a 2 bed, 1 bath apartment in Brooklyn. We split rent 50/50.
Renters insurance
About $7/month for my portion. This covers all our possessions plus my boyfriend’s watches. He pays 75% of it because half of the monthly cost comes from the extra watch overage.
Savings contribution
I try to have about $10,000 sitting in my savings account at any given time, because it makes me feel safe in case of an emergency. I also like the freedom it enables, in case I wanted to leave my job and take a significant amount of time off. This is already at the $10k I want, so I don’t contribute to it monthly.
Investment contribution
It varies but on average I contribute $2,500/month to my brokerage account and Roth IRA (combined).
Donations
I try to donate about $200/month, but it’s pretty sporadic. This month I donated to the Yellowhammer Fund and Northwest Abortion Access Fund. One of my major goals for 2021 is to step up my donations and create an actual strategy around them, potentially involving a donor-advised fund.
Gas/electric
Our gas is $20-25/month and electric is $50/month. I pay gas and Will pays electric, both go in Splitwise. About $37/month total for me.
Wifi
Our wifi is $60/month, which goes into Splitwise—I pay $30/month.
Cellphone
I’m still on my parents’ phone plan—sheesh! This is convincing me that I should Venmo them for it each month.
Subscriptions
I pay for Hulu with ads, $5.99/month. My boyfriend pays for Netflix and we share a Spotify family plan with a couple of his friends, which I chip in $4/month for.
I also pay for the budgeting software YNAB (You Need a Budget) which is $84/year. I only pay it once a year in September.
Medical
I recently had to go to the emergency room for an overnight stay and follow up with some specialists. (I’m okay!) Because of that whole shindig I’m expecting to max out my deductible (and potentially my out-of-pocket-max) right at the end of the year. This will be about $4,000, but none of the claims have come through yet so I’m not sure of the exact total. I have a category in my budget for my deductible, and the rest will come out of my emergency fund.
Physical therapy
This month I’m starting pelvic floor physical therapy for dyspareunia (pain with intercourse).
I’d tried everything the internet suggested (“just relaaaaaax”) before getting the courage to find a new ob-gyn and ask her about it. She had some recommendations, but ultimately physical therapy was the “last resort” option that I’m now exploring.
My new physical therapist comes highly recommended but is out of network with insurance. Each session is $250, and I’ll go once every 2-3 weeks for the next few months as part of treatment. If you’ve worked through this problem (or are experiencing it now!) I’d love to hear your experience.
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Section Four: Additional Questions
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?
Absolutely. My dad was the first in his family to attend college and my parents made pretty calculated decisions about where they would live so I could go to the absolute best public school possible. Over 90% of students at my high school attend a 4-year college, and we start talking about it freshman year. To say college was encouraged in my environment is an understatement.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances?
My dad has worked in finance since I was about 10. He’s always been really knowledgeable about both higher-level economic concepts and the minutiae of personal finance. My family is frugal, too: we clipped coupons and got clothes on super-sale at Kohl’s and Goodwill. I know there was a period of time when he became self-employed and money got very tight for a few years, but the bulk of those worries were largely kept from me.
Did you worry about money growing up?
Yes. While we were comfortable, we lived in such an affluent place that our family was in “the middle class” of the town and it made me worry more about money than I probably needed to. Think The Stepford Wives for context.
At what age did you become financially responsible for yourself and do you have a financial safety net?
In college, I became maybe 80% financially independent as I had a scholarship and worked part-time during school and over the summer, but I was still on their insurance.
I remember being frustrated in college because even though I knew I was extremely privileged, my friends in college had their parents pay their summer apartment rent and gave them an “allowance” of spending money, and I was “limited” by the options I could afford with the job I had. My dad told me at the time, “This is frustrating but it’s preparing you for actually having to live off the money you make in the near future.” (Great, great advice Dad.)
I’m technically still financially dependent on my parents for my cell phone bill, but otherwise I pay for everything: rent, insurance, utilities, food, therapy, and all wants in the form of clothing, workout classes, etc. I could ask my parents for money if I absolutely needed to, but would use it as a last resort.
Do you or have you ever received passive or inherited income? If yes, please explain.
I have an account (mentioned above) that a family friend who’s a hedge fund manager, well, manages. I believe the initial deposit was $1000 over 10 years ago, but that money wasn’t mine either, it’s all a gift. It’s not very liquid—it’d take me several months (and some very good reasoning) to get any of that money withdrawn, since it’s supposed to be for “the future” (which I guess I could argue is now?).
I might receive a small amount of money when my grandmother passes, but it’d probably be around $1-2k, if at all.
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Day 1 Wednesday, November 25, 2020
8:30am Wake up and shower, take my vitamin C gummies, then make coffee. I wasn’t much of a daily coffee drinker until my offices had it for free, and now I’m definitely addicted. I don’t really care if the coffee is shitty or not, I just put some milk in it and it’s great. Right now I’m trying to drink half or three-quarter cups so I can attempt to pull back my addiction a bit. I log onto work at 9am.
11:30am Eat leftovers from last night for lunch—quesadilla + Spanish rice. There’s an incredible Mexican restaurant by us, and now I am ruined for the tacos, quesadillas and nachos from any other place.
12:30pm Will picks me up in the U-Haul. We’re driving about 20 min away to pick up a butcher block desk he bought off Craigslist, which ends up being from a small office that’s downsizing. The desk is $150 which he pays for. We love the office’s style (and the owner is super nice!) and walk around while he shows us what else he’s trying to get rid of.
We end up buying an extra-large ZZ plant and two side tables from him for an extra $120, way less than we would have paid for the quality elsewhere. My half will be $60, and I’ll split the U-Haul too, $44.51. $82.26
2:45pm That ended up taking a lot longer than we expected! We get back and unload the van, then I bring stuff inside while Will returns the van to the U-Haul location. I jump back onto work—so much for a slow afternoon before Thanksgiving. AWS is down, which powers a lot of our engineering work (and a lot of the internet!) so a lot of our teams are basically twiddling their thumbs. We chat about how to message the outage to customers.
5:45pm Will starts making dinner (braised chicken and veggies) and I sit down to read with a strawberry Chobani, but I end up just reading Reddit and searching for new podcasts to listen to.
7:45pm Dinner was great! Now…ice cream.
9:43pm I remember that my mom sent me ideas for her and my dad’s Christmas presents, so I order on Etsy and Amazon. My dad gets a mug with an Ernest Hemingway quote (“write drunk, edit sober”) ($21.54) and a book on writing ($16.63), and my mom gets this food warming tote contraption she wanted ($43.52). We’ve been paring down Christmases over the years—this year I asked for the Europe version of Ticket to Ride. $81.69
11:15pm I finish up the first episode of Real Housewives of Salt Lake City with some white cheddar Cheez-Its to snack on. After, I start on the dishes from dinner. I listen to the Product Market Misfits podcast while I do dishes—the episode with Kristen Anderson from Catch is great, highly recommend if you’re tired of just hearing stories about stereotypical Silicon Valley tech companies.
Day 1 Total: $166.69
Day 2 Thursday, November 26, 2020
10am Wake up super late since I stayed up scrolling on my phone too late last night. We make coffee and set out for a long walk around 11:15am.
12:05pm At the end of our walk, we swing by our local liquor store and buy 4 bottles of wine (red, white, rose, champagne). Will pays, total is $63.15 for everything. We haven’t had wine in the apartment for ages and I’m excited to have some stocked up. $31.57
12:30pm Get back from the walk, shower, then turn on football. I actually don’t really care about any NFL teams (I like college football a lot more), but it’s such calming background noise for me that I find myself looking for games when I have downtime. We also recently found out that Will’s friends’ dog only has a few months to live, so we order some jerky treats and a squeaky toy for him. $14.07
2:30pm We head out to the restaurant we’re going to for Thanksgiving lunch, a local place a short walk from our apartment. They’re doing a prix fixe menu of the classics—turkey, mashed potatoes, stuffing, green beans, and a phenomenal tarte Tatin with ice cream for dessert.
We eat outside under heat lamps. It’s super cozy. With our bottle of wine and tip the total is $208 (I try to tip over and above the norm because it’s a pandemic and Thanksgiving). My half will be $104.
5:53pm Get back from the restaurant. We have a ton of leftovers which is awesome (I think it’s excessive frugality, but I almost expect to stretch takeout or restaurant meals into two meals). Exchange some texts with my friends about their socially-distant Thanksgiving celebrations.
I turn on the Washington vs. Cowboys game right at the halftime show, which is Kane Brown with the Dallas Cowboys Cheerleaders. They’re all wearing masks (except for Kane) and it’s so odd to see them dancing in masks. I mean, I’m glad they’re wearing them, but it just seems like we could have gone without the halftime show this year.
9:21pm I order contacts from Contacts Direct. I got a new prescription but didn’t have a great experience with the eye doctor, so I’m hesitant about this order—only ordered one box of 90 lenses for each eye instead of a year’s worth of lenses. I’ve been getting headaches pretty frequently, so I’m hoping getting a new pair of glasses and alternating those (instead of wearing my contacts for 16 hours a day, every day) will help. $29.98 after insurance benefits
Day 2 Total: $179.62
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Day 3 Friday, November 27
8:56am Wake up super last minute, run to sign onto Slack and then start grinding coffee beans. I’m online and drinking a big mug of coffee by 9:10. (So much for half cups.)
10:45am Come up for air from work and grab the stuff to make a bagel. Everything bagels and plain cream cheese are my go-to combo.
12:03pm I grab a bag of clothes to drop off at the donation bin and a couple library books to return. The library is about a 25 minute walk so it’ll be a nice lunch break diversion.
12:56pm After the library I stop by the grocery store for some paper towels and sponges, since we’re almost out. Total is $22.62, my half is $11.31
1:09pm When I get home I jump back into work and put the USA vs. Netherlands game on my second monitor. By the 75th minute, the US is up by 2 goals so they start putting in some younger players—it’s fun to see Midge Purce and Sophia Smith play! I also throw some bagel bites in the oven for a quick snack and promise myself dinner will be healthier.
4:23pm I zone out of work and start playing Among Us. I end up playing for over two hours. We open a bottle of wine at some point and I get super tipsy.
6:50pm Turn on the tail end of the Notre Dame vs. UNC game. It turns into Jeopardy, which turns into Wheel of Fortune, which I’m not mad about. P isn’t as into the game shows and leaves to microwave a plate of leftovers from Thanksgiving dinner and play video games.
8:40pm Finally getting hungry after my bagel bites and Cheez-Its this afternoon and make a plate of Thanksgiving leftovers—turkey, mashed potatoes, green beans and cauliflower. Yum.
Will and I end up getting in a tiff about the mess in our apartment so we take a break, cool down and talk it through. I watch a couple episodes of Sister Wives and go to bed around 1:30am.
Day 3 Total: $11.31
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Day 4 Saturday, November 28, 2020
10:05am I stayed up late (again) so it’s nice to sleep in. I play Among Us for awhile and have a couple rounds where I’m the impostor and get some great kills and wins. I run out into the living room and celebrate with Will. We laugh because it’s silly how much we love the games we play. Around 10:45 I start making coffee.
11am We desperately need new sheets because our fitted sheet has a huge hole at Will’s feet (and it’s growing). I search a women’s personal finance group I’m in on Facebook for recommendations and we end up buying a queen sheet set from Belk. Total was $100.71 with their sale. $50.35
1pm I was planning on returning a package to the post office today, but forget it closes at 1pm on Saturdays so I decide to run to Target instead. I have a lampshade to return and want to look for a shower caddy as well. I also have an old iPad to return, which Will tells me I can do at Best Buy. He finds an old iPod and flip phone I can take too.
Take the MTA there ($2.75 for a single fare). When I get there, it’s a madhouse and I remember that I have sillily (is this a word?) decided to come on the weekend of Black Friday. I stand in the returns line for about 15 minutes and get $10.89 back, but ditch the idea of trying to look for a shower caddy. The checkout line looks like 100 people long. -$8.14 because of return
Next I go to Best Buy, but who am I kidding—the line to get in the store is even longer than the Target checkout line. I walk back to the subway and get on to go home. $2.75
2:30pm Since Best Buy was a no go, I search for electronic recycling around me on the way home just to see where I could drop off the devices I have. Apparently there’s an EcoATM not too far from my subway stop. It’s more for selling devices, but if they can’t give you money for something, they’ll recycle it, which is exactly what I wanted. I put each of the pieces in the scanner, and end up getting a whopping $2 total (for Will’s old iPod). Still cool because I was just expecting to recycle it all. I’ll give Will the $2.
2:44pm There’s a Dunkin nearby so I pop in to grab a couple donuts ($2.90). There’s a woman outside asking for money, so I give her $5 cash. $7.90
3:00pm Last stop—our favorite deli is nearby and Will mentioned he wanted to get bacon there recently. I get a 1/2 lb and salivate on the way home. This is one of those things I won’t put in Splitwise because it’s small and because it’s fun to get for P as a tiny little present. $3.50
3:45pm Once I’m home I’m super hungry from only eating carbs all morning so I have a snack of carrots, hummus and some pepperoni. I head back out to drop off a bag of clothes and shoes at a drop box a few blocks away. The neighbors are outside at the park near our house so I stop and chat with them for a few minutes. Their kids are the cutest.
6:47pm For dinner I make a ham and cheese sandwich (panini style with rosemary butter) and more carrots and hummus. I put on another episode of Sister Wives. These people are so fascinating to me—first off, I think the husband is completely full of himself. But I’m also so curious about the wives. There are a lot of talking head testimonials where the parents explain that they’re “oppressed” because they’re different and want to go public so the world can see polygamy as a valid family style (I’m only on season 2).
I know they’re probably playing up the “we love our other sister wives and have so much fun together even without Kody” aspect because people expect sister wives to be catty and hate each other, but I can’t help but wonder why they need to be in plural marriage to get the same friendship they seem to value so much. I also doubt they’d extend the same grace and tolerance they want to people who are “different” because they’re LGBTQ, or “different” because they’re in an open relationship or marriage.
9:15pm I mix together oatmeal chocolate chip cookie batter and put some cookies in the oven. While I’m waiting, I browse Zocdoc for well-reviewed providers—I want to make a podiatrist appointment for a lingering toe issue and an audiologist appointment for a routine hearing screening. I got the idea to make these appointments since I’ll hit my out-of-pocket max with the hospital visit, making them free or very discounted. I make two appointments for next week.
I also lust over a Farm Rio puffer jacket that feels overpriced but I just love. Maybe I’ll buy it tomorrow since they’re having a 30% off sale.
Day 4 Total: $64.50
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Day 5 Sunday, November 29
8:58am Wake up and switch between scrolling on Reddit and playing a few Among Us games. After a bit Will gets out of bed and makes coffee for us.
9:45am Will finishes the movie he started last night and we start on breakfast. We’re making the bacon I bought yesterday, breakfast potatoes with onions, and a fried egg for Will (I can’t stand the taste or smell).
11:00am Yum! Breakfast was great. I watch a couple episodes of Sister Wives and mull over buying that ridiculous but amazing puffer jacket from Farm Rio. I’ve still been thinking about it since last night and I might take the plunge.
1:25pm I get a jolt of motivation to work out and do a 20 minute Sydney Cummings video on Youtube. I heard about it from a recent Money Diary posted here! After it’s done I’m so, so tired. I stretch and unpause my episode of Sister Wives.
2:22pm I help Will move the butcher block slab for his desk out to our backyard. We live on the first floor of a single-family home that was converted into apartments, so we get the backyard too—it’s awesome to have outdoor space in the city. P works on sanding it and applying poly for the next couple hours.
5:07pm Will suggests pizza for dinner and I am always, always down for pizza. I order pickup from the spot down the street—one grandma, one cheese and 2 orders of garlic knots come to $38.60. We’ll have leftovers for tomorrow too. $19.30
5:50pm We pick up the pizza and dig in. While we’re eating we turn on the Chiefs vs. Buccaneers game; Will has a few players on his fantasy team in this game.
6:57pm I sign up to write letters to Georgia residents encouraging them to vote in the Senate runoff elections in January. This is through Vote Forward—I did 20 letters for the general election in November and want to participate again. I’ll print the letters at a local coffee shop since we don’t have a printer at home.
Will sends me this Reddit comment about campaign finance since we’ve been talking about it recently. I decide I’m convinced by the argument and set up a $5 monthly donation to Brand New Congress. $5
8:19pm After texting back and forth with my friend all day, I buy the puffer jacket—so excited. She encouraged me to get it and is pumped for me too. $228.64
I also notice my paycheck has started processing in my checking account (I get paid tomorrow), so I enter the amount in YNAB and budget it all. I earmark about $1500 to go into my brokerage account tomorrow. I won’t include it here as “spending” since it’s included in the overview section above.
Day 5 Total: $252.94
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Day 6 Monday, November 30
8:43am Wake up and turn on my Slack. Will started the coffee process and I finish it up by pouring the water into our Chemex and letting it steep (I know there’s a coffee-centric word for this...).
8:56am I check my Citi card and my YouTube TV trial rolled over—I was going to cancel it this morning, which I thought was the last day. I email support to see if they’ll refund me, because (I promise I’m not just saying this!) I did have a pretty bad experience. The Roku app was glitchy for us every time we watched something. Maybe they’ll feel nice today! $64.99
9:35am After responding to a few work messages, I run out the door to the post office to avoid a long package line. I did the Warby Parker 5-day home try on and have to return my box of glasses today. I found a pair I really like and am excited to get in the habit of wearing glasses again, instead of just my contacts.
Thankfully the line is only a few people long. The employees are also super nice every time I go, so I try to be really pleasant too. The lines are usually long and I’ve seen more than one adult have a fit at this post office. It’s rainy today and I couldn’t find our umbrella, so my flimsy rain jacket gets pretty soaked through on the walk back.
11:35am My podiatrist appointment is supposed to be tomorrow morning, and they call me to tell me since I haven’t hit my deductible, I’ll have to pay out of pocket for the visit. I explain that I’m 100% going to hit my deductible, the claims from the hospital just haven’t processed yet. I ask her to bill my insurance first for the visit, then I can pay whatever ends up not being covered (if anything). She agrees!
Maybe this is standard, but I’ve never had it happen before—even if I haven’t hit my deductible, I’ve always been to offices that bill insurance first, then I pay the remaining balance.
1:05pm Lots of meetings today. I break for lunch and heat up the braised chicken with veggies. It’s definitely on its last good day, so I’m glad I used it up. Still yummy!
2:20pm Woohoo! Get an email that my YouTube TV charge was refunded. -$64.99
Will ran to Home Depot today to buy some tools for his desk and also got a shower curtain liner since ours is ripping. I go to put it up in the bathroom but my arms are so sore—like I got my flu shot type of sore.
5:05pm Sign off work after trying to wrangle a supremely frustrating SQL query. I don’t get it but figure I can ask our analyst team for help tomorrow. Will will have a late night working, so pizza and Sister Wives is in my near future.
While watching, I update YNAB to reflect the end-of-month balances for my investment accounts. I get a huge dopamine hit by seeing my net worth number go up. I’m also anticipating it going down a bit next month because of my medical bills, so I relish the moment.
8:09pm It suddenly dawns on me that my arms are sore because I worked out yesterday. It’s so rare now that I literally forget when I do it. Ha!
9:15pm We watch the Eagles vs. Seahawks game and I absentmindedly play Among Us. I end up getting ...bullied by a person playing it? They get mad that I figured out they were the imposter and start saying all these schoolyard-type digs throughout the next couple rounds, but level 100 of cruel.
I’m embarrassed by how sad it makes me but think maybe it’s a good thing I don’t immediately know what to say to bully people back. Such a weird experience. I end up going to bed around 11:30.
Day 6 Total: $0
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Day 7 December 1, 2020
7:07am Wake up late for my alarm at 7. I’m up a lot earlier today because my podiatrist appointment is first thing. I get dressed in the dark, kiss P goodbye, grab my water bottle and run out the door to the subway by 7:30. $2.75
8:10am Get to my stop and swing by Starbucks before the appointment. I get a vanilla latte and the bacon cheddar and egg sandwich. Total is around $10 but I have a gift card loaded onto my Starbucks app.
My spending here went way down when I switched jobs to an office not close to a Starbucks, and then stopped going into an office at all.
8:30am My appointment goes great, if a little painful when she numbs my toe. I had to get an ingrown toenail removed. I danced ballet and pointe for years so I’m (unfortunately) used to them, but this one was terrible. The doctor and I bond over both being dancers with bad feet and they schedule me for a follow up two weeks out.
She actually says there’s been a rise in these procedures because people aren’t getting pedicures since the pandemic and aren’t cutting their toenails well! Wild.
I look silly on the subway in December wearing Birkenstocks and socks with a huge toe bandage. It looks like one of those cartoon characters who stubs their toe and it becomes 10x bigger than their other toes. $2.75
9:40am I get off at the stop before mine to stop at Rite Aid. I grab Neosporin, band-aids and epsom salt and check my notes for anything else she mentioned about caring for my toe. $12.97
10:00am When I get home, I hop into work and working with our engineers on a promotion for the New Year. I also catch up with Will since he stayed up late last night and I got up early for my appointment. He says he ended up staying up until 3:30am (!!) cleaning up his tools, working on his desk and putting up the shower curtain. I’m floored that he is functional right now after waking up at 8.
12:15pm Heat up the last of the pizza for lunch, along with hummus and carrots.
5:20pm Work is average-paced for the rest of the day. Not doing nothing, not totally over my head. Will puts in potatoes for baked potatoes to have later, which we’ll pair with a salad. We’re getting close to needing a grocery run again, so the meals are becoming more of a mishmash.
We listed a couple things on our local Buy Nothing group last week, so a woman comes by to pick up a wifi router we can’t use anymore. Would totally recommend looking up if there’s a group in your area—they’re usually on Facebook.
6:30pm After dinner I watch more Sister Wives and look up RIP Medical Debt, a nonprofit one of my friends shared for Giving Tuesday. They buy unpaid medical debt from collections, so $1 ends up paying off $100 of someone’s medical debt. I give $50 to the Arkansas campaign, which will clear $5,000 of medical debt.
As Will said earlier today, “medical billing in America is a racket” so I really hope this helps clear a burden from an individual or family. Doing this reminds me to check my insurance portal, which is steadily going up as each separate claim comes in. Ahhhh, modern healthcare! $51.49
At the end of each day please tally up your daily expenses. Then at the end of your diary please tally up all expenses in the following categories:
Total: $719.33

• Grocery + Dining Out: $157.77
• Fun + Entertainment: $0
• Home + Health: $164.67
• Clothes + Beauty: $228.64
• Transportation: $11.00
• Gifts + Giving: $157.25

​
Reflection This week felt like a big spending week for me. I checked YNAB and since January, I’ve spent about $1600 per month, not including rent—so about $400/week. That’s why this week’s $719 feels so high!
Writing this diary helped me understand how many things I have going for me. I’ve recently been in a huge funk—about my health, my performance at work and my relationships with family, friends and P. Going to the hospital, needing physical therapy to have sex and being in a pandemic will do that to you.
I was able to zoom out a bit and understand how stable and gratifying my life is. That being said, I’m so glad this community exists. I really love it and learning about all your spending and saving habits. Thanks for being here and sharing :)

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As part of the membership process, you may receive a certain amount of "bacaccia" (i.e. sweet coins). You can spend these acacia at various participating casinos throughout the network; however, the amount of gold coins that you will receive is contingent upon your initial deposit.
Another way that you can earn money is by playing at any of the over forty online casinos that are part of the Chumba Network. Online casinos are an excellent way for you to earn extra cash because the odds are stacked against everyone else in the world of online gambling. This means that it is almost impossible to win big. However, if you are patient and are willing to practice a bit, then the odds are stacked in your favor. If you play regularly at the various online casinos, then eventually, you just might strike it big.
In order to access the various games that are part of the Chumba Network, you will need to open an account registration at one of their participating online casinos. When opening an account registration, you will be required to provide detailed information about your educational and employment history. You will also be required to select from a variety of free casino spins, including no deposit, high roll and syndicate games.
As you progress through your registration process, you will automatically earn either one or two free spins with a high limit of one hundred coins each time. Once you have accumulated enough coins to cover the initial deposit, you may withdraw your winnings by sending a request in an electronic form to the Chumba Company via their secure online banking system. Many of the no deposit and high roll games require that you open an account. However, before doing so, you should ensure that you have sufficient funds in your video poker or online casinos account to cover any potential losses.

Read full story: medium.com/verasity

Tokenomics , Forecast, News Update

Tokenomics, Forecast & News Update

• Introduction
• VRA Token Distribution &Circulating Supply update
• Founders token unlock schedule
• Funding update
• VRA Token distribution
• VeraWallet Staking program update
• New VeraWallet features coming soon
• Exchanges update
• Buyback and burn update
• Business model
• Recent achievements
• Our reach in gaming
• Additional Esports Fight Club activities
• Verasity scale and adoption
• Roadmap completions this quarter
• Verasity metrics
• News!
• Revenue forecast
• Our crypto community relationship
• Expanding our reach

Introduction

The KuCoin hack, OKEx debacle, Bitmax shutdown and BTC dominance appreciation slowed down Verasity’s momentum just as we launched one of the biggest esports events in crypto (UWS PUBG tournament).
Nevertheless our technical accomplishments and ability to scale have never been better. All the parts of the Verasity ecosystem are coming together in the best possible way.
This article is meant to update the community as well as provide new information about what we have accomplished and are doing to make this the best project in crypto.

VRA Token Distribution & Circulating Supply Update

Below is a table setting out Verasity’s calculated Circulating Supply, locked and unlocked tokens. We will update this quarterly.
Etherscan links:
Total VRA Supply
Founders & Team Tokens
Total Wallet #1 — Foundation

Founders Token Unlock Schedule

Founders tokens are locked until the price of VRA reaches a target which is approximately in the range of the ICO price. To give the exact target price will harm investors as traders will take advantage of that data point. As long as the price remains below the target price, the Founders & Team tokens will not be released.
Only when the target price is reached can the Founders & Team pool be released annually. In each year (2020, 2021, 2022 and 2023) the Founders & Team qualify to receive upto 25% of their allocation if the minimum price condition has been achieved. If the target price has not been reached then the tokens remain locked. No tokens will become available for release in 2020.
We don’t believe that the Founders & Team tokens are a market overhang due to the onerous restrictions of the unlock schedule.

Funding Update

Current resources held by Verasity fund the project roadmap which has been published for the next 12 months. We forecast (see below) reaching profitability in 2021 which will finance the continuing runway thereafter.
The Foundation Reserve has sold 355,300,000 tokens (12.9% of its original total) to finance exchange listings and other costs. In the future, additional listings and expenses may require sales of VRA from the Foundation Reserve. Verasity had anticipated and disclosed this in the tokenomics update of April. See further information about the Foundation tokens in the VRA Token distribution section of this article.

VeraWallet Staking Program Update

Based on the staking program operating at full capacity throughout the calendar year 2021, and ignoring the timing of deposits and withdrawals, a maximum of 847,500,000 VRA will be required to pay the daily staking rewards. The staking reward rate is 0.1% per day (36.5% per annum) until 31 March 2021 when it becomes 0.07% daily (25.55% pa) until 31 December 2021.
Given that the staking rewards come from the Foundation Reserve or market purchases by Verasity, we believe that staking rewards have not been inflationary to total supply.

New VeraWallet Features Coming Soon

Liquidity Mining
Earn additional VRA by providing liquidity for a selected token pair. Send equal amounts of VRA and a trading pair token (i.e. DAI) to a special VeraWallet address to create a liquidity pool. Once active this will generate VRA rewards for each day of providing liquidity. You can withdraw your tokens from the liquidity pool after a fixed period or can leave your tokens for the whole liquidity mining period.
Instant Buy & Stake

• We will add ETH in addition to USDT and BNB in Q4’20 or Q1’21.
• Affiliate system to be added to allow marketing of VeraWallet &VRA related products initially to be launched in select countries.

Additional Top Up Methods
We will expand the credit card facilities to other vendors which will be announced soon.

Exchanges Update

Verasity started 2020 with a listing on KuCoin ‘one of the most popular and secure cryptocurrency exchanges’ and soon VRA’s trading volume was up to $250k — $500k organic volume per day, liquidity was deep and VRA’s price was trending upwards. Then, on 25th September 2020, KuCoin announced it had been hacked and it had frozen withdrawals. Following this, in early November Bitmax announced its interface was down for a week preventing any trading.
Without adequate liquidity from our largest exchanges and in combination with the rise of Bitcoin dominance from 58% to 67% of the overall market, VRA came under great pressure and its price fell from the end of September onwards.
Also in September, Verasity launched its Ultimate Warrior Showdown event in collaboration with the exchange OKEx. We were very pleased with the millions of video views achieved and we were looking forward to developing our working relationship with OKEx, however, shortly after the event’s conclusion the founder of OKEx was detained by the Chinese authorities and withdrawals were suspended by the exchange.
These four external events slowed our momentum.
We are glad that OKEx plans to reopen its withdrawals next week but we are now reluctant to deal with any exchanges that have ongoing investigations by government authorities.
Verasity is aware of the importance of having secure and liquid exchanges to trade VRA and it is one of our objectives to increase the quantity and quality of exchanges we are listed on. Over the next few months we plan to add new exchanges in various jurisdictions. We will be working with expert advisers and diving deeper into our due diligence on potential exchanges. We are currently negotiating with several exchanges but make no promises as to timing given that crypto exchanges are so vulnerable to hackers as well as regulatory risks (see OKEx & BitMEX). Verasity cannot predict which exchanges will have issues as we don’t control exchanges.
Do keep in mind that the community requested the following exchanges over the last six months: Bittrex, OKEx, KuCoin, Bitmax & Bitmart. We delivered on all of these exchanges but had to pause OKEx because of the government investigation and withdrawal stoppage.
We are currently close to finalizing a listing and hope to announce soon. Listings are announced by exchanges, so you will know when we are listed.

Buyback and Burn Update

Verasity has burned 2,135,033,305 VRA (17% of original total supply) since its launch. However, in 2020 there have been no burns because the income generated in the year was not sufficient to cover the additional expense of a substantial buyback.
This does not mean that Verasity has abandoned its intention to buy back and burn, it only means that we are waiting for our net revenues and fees to grow (see forecast below).
With regard to the communication of token burns, our legal advisers state that due to certain territories where VRA is available we cannot make commitments to dates, amounts or rates of future burns. Otherwise we risk being considered a security token and being delisted from certain exchanges (and not be able to get onto new ones). Hence we have to repeat that ‘a random amount of net revenues and fees earned by Verasity in fiat are used to buy back VRA from exchanges to burn’. Once a burn has taken place we will inform the community and it will be visible on the blockchain. We anticipate buy backs in 2021 and will inform the community after they take place.
Once we reach profitability which is anticipated in 2021 (see the forecast below), the Verasity Foundation is committed to buy back and burn VRA. Please note that Verasity is a foundation and by law is not allowed to distribute profits (it cannot declare a dividend) so to maximise token holders’ value it will continue to buyback and burn VRA.

Business Model

Our fundamental model has not changed:
Video publishers attract audiences to watch video content and ads. Users are rewarded for it, thereby increasing engagement and monetization.
This model has not changed. What has changed is the type of video publisher we are pursuing. Prior to COVID-19, we pursued traditional publishers. With COVID-19, we saw the opportunity to pursue gaming publishers and more specifically esports publishers. More importantly, we created our own tournament platform: esportsfightclub.com. This allows us to control our own environment, launch our own proprietary video player, own our video content, run ads on our player, and charge subscription fees as well as take tournament fees.
This also allows us to scale at our chosen rate. Initially we tested huge tournaments with the largest brands and broadcasters and now are doing smaller scale events to give us the space to build out more features for the platform before the next big tournament.
Esports Fight Club will require players to use VRA to purchase subscriptions via several payment systems: VeraWallet, PayPal and Credit Cards (although some tournaments are free for promotional purposes). Winners receive VRA for winning tournaments. Soon players will also be rewarded VRA for watching ads. Verasity profits from the purchase of game credits, subscriptions, tournament prize pools and ads. This is an entire ecosystem all within Verasity.
Some of the community asked us why we are doing smaller events now after such large events. Building a platform is not just about huge marketing. Our technical roadmap actually calls for different size events (micro events) in different periods, which allows the platform to add features and functionality that has been included in the development roadmap as well as to grow the platform organically. For more about Esports Fight Club’s future plans see this video with Mike Stubbs.
Initially we started with two world class tournaments which brought in millions of viewers and tested our platform. Now we are running micro tournaments while we build out the platform features to accommodate our vision of a world class tournament platform. This will include our proprietary video player as well as ad stack and finally Proof of View which will make the ad monetization so much more valuable.
It may be difficult to see the forest from the trees, but all the parts are coming together now:

• The Esports Fight Club platform — lots of features already available including global and tournament chats, user created tournaments, detailed tournament customization options
• Proprietary video player — in internal beta for launch Q1
• Proprietary ad stack — in internal beta for launch Q1
• Our own esports content — all the content rights from the tournaments are owned by EFC & Verasity
• Our belief that we can drive large streaming numbers via esports tournaments
• Rewarded Video for these users to watch our content and ads on Esports Fight Club and not on YouTube or other platforms by utilizing VRA to engage and monetize
• A large number of ad networksthat include Google AdMob — Signed on
• Proof of View smart contract view verification (on-chain) — to be released Q2’21 (delayed because we believed that building our own blockchain would have been difficult to obtain adoption for and waited for Ehereum to build out new features they have been developing and which we required. We now have an Ethereum solution which is far easier to scale and which saved us time and money in the medium term).
• In Q1’2021, we will put many of the parts together to start scaling our own video player with our ad stack, producing ad revenues in addition to our other revenue streams.

Recent Achievements

In crypto it’s easy to forget what we have accomplished so far. Just in the last few months we have:

• Broadcast to millions of viewers on YouTube, Facebook and Douyu in English, Korean, Hindi, Mandarin and Nepali. In China alone we estimate over 280,000 viewers tuned in to watch the live UWS action across just 2 days on Doyu.
• Brought over 2.1 million viewers to the Esports Fight Club home page.
• Expanded payment options for non-crypto gamers by adding PayPal and credit cards for subscription and prize pools (PayPal is added and credit cards see below)
• Two world class tournaments with exchanges to attract esports players and fans watching live streams
• Pros have supported both Esports Fight Club and Verasity on social media
• Working with major brands including PUBGM, Tencent, Athena Gaming & Warmania
• Major esports teams including FaZe Clan, Orange, T1, Elementrix, Nova and Onic Esports competed in our tournaments.
• Broadcasters streaming the live tournaments outside of Esports Fight Club site in five languages
• Expanded our presence on Twitch and YouTube with influencers in crypto and non crypto
• Expanded our presence in social media, TG, Discord, DApp websites, Crypto publications
• Targeted comms in our 11 international communities
• Email marketing

Our Reach in Gaming

Tencent
We had the first third party multi-country PUBG Mobile tournament with Tencent approval and in 2021 have an opportunity for in-game rewards once we have put on further large scale tournaments. This will put Esports Fight Club and Verasity in a unique position.
Tencent and Verasity will continue to explore multiple avenues to work together across multiple regional Intellectual Properties around PUBG Mobile and Asian markets.
Athena Gaming & Warmania
Diversifying esports activations through multiple localised companies to promote regional growth like Athena and Warmania.
Blizzard
Obtaining tournament licenses for all major games.
Because we are a small team, we have not had the resources to fully utilize our reach. We will do so in 2021 with large companies and projects to help us scale.
Additional Esports Fight Club activities

• With more updates around LAN events, esports fight club is supporting more offline based esports events to ensure brand visibility and promote its esports platform direct to users.
• Esports Fight Club will also be expanding its streamer portfolio across 2021–2022 with multiple languages including Arabic, Bahasa, French, Spanish and Korean.

Verasity Scale & Adoption
Our PUBG tournament was one of the most successful events with this scale of adoption in crypto. Other platforms pale in comparison with thousands of views not millions. After our beta we went into full scale mode without a hitch — millions of video viewers without any issues. Now we are running smaller events while we expand the platform organically and build out important features and functionalities.
Our tournament had a prize pool that was five times smaller than the PMPL SA 2020 tournament but performed comparatively, and had a prize pool that was half the size of the Binance tournament but our stats were 88 times larger.

Roadmap Completions this Quarter so far

Although we announced this, few in our community took this big accomplishment in:

• Global chat for everyone on Esports Fight Club
• Tournament chats just for participants

We added games last quarter:

• CS:GO
• PUBG
• PUBG Mobile
• Valorant

and will add more in this Quarter:

• Free Fire
• Dota 2

Added features to Esports Fight Club:

• Frictionless tournament joining process
• User defined teams

Expanded current company and gaming relationships geographically to North America, EU & South East Asia.

Verasity Metrics

As of October we had a month on month increase in social stats of 26% and 154% over the previous 12 months. See the metrics here.

News!

1. We have an agreement with Stripe Payment Systemto provide credit card payments in 135 currencies worldwide for Esports Fight Club. 2.8m websites use Stripe as a payment system with half in the USA. Now Esports Fight Club will include 3 payment systems: Stripe, PayPal and VeraWallet. Between Stripe and PayPal they cover over 50k gaming sites.

Stripe will allow us to:

• Accept payments globally
• Send payouts globally
• Integrate with thousands of gaming businesses &publishers who use Stripe plugins to accept payments on platforms like WordPress, Magento and PrestaShop
• Be added to their curated gallery to further our reach to partners looking for rewarded video platforms to improve their current businesses
• Accept payments for subscriptions, tournament prize pools and our proposed game marketplace
• Issue branded credit cards
• Customize their APIs to build customized payment systems to differentiate and attract more users onto our forthcoming marketplace to be launched in 2021. This customization will be proprietary and unique. - Stripe will work with Esports Fight Club to reach out to video publishers and game publishers around the world. This will give us access to video publishers worldwide.

Now that we have an agreement, Stripe integration will be completed in this quarter.

1. Esports Fight Club has been working on partnerships within the esports ecosystem to promote cross platform rewards.

To this end we have been in discussions with major peripheral manufacturers including E- Blue, Razer and SteelSeries. As soon as agreements are reached, we will jointly announce sponsored product peripherals that will be rewarded in our tournaments.

Revenue Forecast*

Verasity earns revenue through subscriptions to its gaming and tournament platforms, commission on tournament prize pools, video ad revenues and on transaction fees for use of Verasity products.
Revenues in 2020 were lower than anticipated in part because of our need to pivot to gaming publishers due to the COVID pandemic which affected traditional brand advertising and publisher revenues. We have taken this into consideration in the revised forecast.
In Q1 2021 no material revenue is expected to be generated from Esports Fight Club or from ad revenues.
As the gaming platform develops and our proprietary ad stack is implemented revenue grows month by month. We anticipate that non-gaming publisher sites provide further video ad revenues from Q3 2021 onwards. Additional revenues are expected from the implementation of Proof of View in the latter part of 2021. We expect that the majority of revenues will accrue from ads.
3 Year Forecast*
Buyback and Burn Forecast*
As part of Verasity’s intention to buyback and burn tokens it has included in its forecast three annualised purchases. As discussed above we are unable to commit to dates or amounts of future burns, however as part of the forecast we would like to share what it may look like.*
In 2021, the forecast contains a total buyback and burn of 500,000,000 tokens at an estimated average price of $0.0010 (total $500,000).
In 2022, the forecast contains a total buyback and burn of 1,500,000,000 tokens at an estimated average price of $0.0025 (total $3,750,000).
In 2023, the forecast contains a total buyback and burn of 1,500,000,000 tokens at an estimated average price of $0.0050 (total $7,500,000).
Based on the forecast, we will endeavour to buyback 3.5 billion VRA or 34% of the current total supply, and Verasity would have generated a surplus of $1.9m for future growth and buybacks. Please note that the average prices used to calculate the buybacks are not targets or guarantees for the future price of VRA.*

Our Crypto Community Relationship

The crypto space and community is very unique, one that truly requires more attention from our side. Although we build amazing tech with real world applications, we have not succeeded in taking you with us on the Verasity journey. One big problem we have had is that esports and crypto live in two different worlds. Esports is only on Discord and Instagram, whereas crypto lives on Telegram and Twitter. We have added a Social Wall and hoped that more crypto followers of Verasity would check it out more often.
To get more community involvement we will start doing more AMAs, producing video and podcast content on a regular basis to keep the community informed and widen our crypto audience. To update the community on Esports Fight Club we will post a series of videos and post them across our socials. Here is the first one. We will also start providing quarterly business stats starting in 2021 so that investors can follow our progress much like public stock companies.
We are all here to work with the crypto community and to build the amazing future of Verasity together with you.

Expanding our Reach

We are always looking to expand our reach in order to grow the project. If members of our community have direct contacts with companies and projects that they think will be helpful to growing our business please let us know through our admins. What is helpful here are actual direct contacts and not just company names. Consider our current business as we want to focus on gaming, esports and video partners.
**Forward-Looking Statements*
Certain information set forth in this presentation contains “forward-looking information”, including “future-oriented financial information” and “financial outlook”, under applicable securities laws (collectively referred to herein as forward-looking statements). Except for statements of historical fact, the information contained herein constitutes forward-looking statements and includes, but is not limited to, the (i) projected financial performance of the Company; (ii) the use of proceeds and profits for buy backs hereunder; (iii) the expected development of the Company’s business; (iv) execution of the Company’s vision and growth strategy; (v) completion of the Company’s projects that are currently underway, in development or otherwise under consideration; (vi) future liquidity, working capital, and capital requirements. Forward-looking statements are provided to allow potential investors the opportunity to understand management’s beliefs and opinions in respect of the future so that they may use such beliefs and opinions as one factor in evaluating an investment.
These statements are not guarantees of future performance and undue reliance should not be placed on them. Such forward-looking statements necessarily involve known and unknown risks and uncertainties, which may cause actual performance and financial results in future periods to differ materially from any projections of future performance or result expressed or implied by such forward-looking statements.
Although forward-looking statements contained in this presentation are based upon what management of the Company believes are reasonable assumptions, there can be no assurance that forward-looking statements will prove to be accurate, as actual results and future events could differ materially from those anticipated in such statements. The Company undertakes no obligation to update forward-looking statements if circumstances or management’s estimates or opinions should change except as required by applicable securities laws. The reader is cautioned not to place undue reliance on forward-looking statements.
Verasity tokens are subject to these terms and conditions.
About Verasity.tv
REWARDS BASED PLATFORM FOR ESPORTS, GAMING AND VIDEO ENTERTAINMENT
Verasity provides proprietary technology uniquely rewarding gamers, viewers and publishers. Verasity is a crypto-based platform with the VRA token that aims to revolutionise the online advertising business. With its innovative Proof of View system, advertisers are able to guarantee their video ads are seen and not ignored thanks to smart contracts on the Ethereum chain, while viewers are able to earn VRA simply by watching the content they already consume. Verasity has a focus on gaming publishers and esports.

• The first platformto provide user-generated esportsand casual gamingjackpot tournaments supported by both Fiat &Digital Tokens.
• Video gaming content monetized by Verasity Ad Stackand Proof of View (PoV)
• Enables tokenized rewards(VRA) as well as loyalty schemes within the video player VeraWallet
• Supports over 2 million video publishers with our SDK products(overlay on video players) to increase engagement and revenues by 35%. See example publishersand videos here.

Verasity revenue streams include:
Game subscriptions, jackpot revenue rake and video ad revenues. Read about the tokenomics, forecast, buy back and burn here.
📖 Read our latest adoption metrics and one page overview
📈 Find where VRA (ticker) is trading onCoinMarketCap
VRA can be staked for 36.5% annual interest at https://verawallet.tv.
Follow Us:
Medium: https://medium.com/verasity
Twitter: https://twitter.com/verasitytech
Website: https://verasity.io
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Facebook: https://facebook.com/verasitytech
LinkedIn: https://www.linkedin.com/company/verasity
Reddit: https://www.reddit.com/verasity
Blockfolio Signals: Follow VRA to receive updates straight from the team
Join our local groups, we have support in the following languages
Brazilian chat 🇧🇷 — https://t.me/Verasity_BR
Indonesian chat 🇮🇩 — https://t.me/verasityindonesia
Japanese chat 🇯🇵 — https://t.me/verasityjapanese
Korean chat 🇰🇷 — https://t.me/Verasity_Korea
Persian chat 🇮🇷 — https://t.me/verasity_irn
Russian chat 🇷🇺 — https://t.me/VerasityRU
Spanish chat 🇪🇸 — https://t.me/verasity_spanish
Turkish chat 🇹🇷 — https://t.me/VerasityTR
Vietnamese chat 🇻🇳 — https://t.me/Verasity_Vietnam
Philippines chat 🇵🇭 — https://t.me/verasity_philippines
Indian chat 🇮🇳 — https://t.me/VerasityIndia
WeChat — PM @cryptomeo on Telegram
If you are a Game Developer or Video Publisher and want to grow your audience and revenue by 500% click thelinkto talk to the team
Tokenomics , Forecast, News Update was originally published in Verasity on Medium, where people are continuing the conversation by highlighting and responding to this story.
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👊esportfightclub.com
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