tuscl

Would you dip into savings to pay for strippers?

Cashman1234
He/Him - He’s a filthy pig. That’s him in VIP with another whore.
Friday, October 13, 2017 10:10 AM
Do you primarily use cash on hand to fund your clubbing? Or do you run out and dip into your savings to pay for your clubbing (and OTC) activities? I use cash on hand, but I know these habits can get expensive.

31 comments

  • twentyfive
    •
    7 years ago
    Never savings never ever.
  • etsutwigg222
    •
    7 years ago
    Only disposable income. Savings and interest on retirement investments go back into the pot for future mongering. Kids and grandkids trusts are fully funded so the goes onto play money account. On the day the doctors tell me nothing more can be done, I will go strip club crazy. No rain making, but blue pills and VIP until it falls off!!! HAHAHA!!!
  • shadowcat
    •
    7 years ago
    No need to touch my savings accounts but if they don't stop raising the price of Viagra, I may have to. :)
  • Cashman1234
    •
    7 years ago
    I would think that liquidating a 401k - for strip clubbing - would be a sign of a problem. I'm not one to judge - so I'll tread lightly.
  • gammanu95
    •
    7 years ago
    TL;DR: Holy shit, this thread made me realize the only reason I carry cash is when I go to the strip clubs. After meeting my interest-bearing checking's most profitable balance, and meeting my goals for monthly retirement and investing plans, everything left over goes into a high-yield savings account that is linked to my checking account. So technically, everytime I use the ATM to get cash for a strip club (which is the only time I really use cash anymore), I'm accessing my savings. Seriously, if I ever made the decision to skimp on savings contributions to fund a strip club trip, it would be time to find a 12 step program.
  • Papi_Chulo
    •
    7 years ago
    I have a separate online-bank savings accnt that I rarely touch and that is where I keep the bulk of my savings not counting retirement accounts - I "try" not to touch that (online savings accnt) but I have on occasion particularly when I go on a strip-club trip where I may hit anywhere from 3 to 6 clubs and don't wanna keep myself from indulging (since I already made the trip). I have not hit my online savings accnt too-hard, but for the last 2-years or so have not been putting as much $$$ into my online savings accnt as I would like b/c of the damn T&A LOL.
  • Jascoi
    •
    7 years ago
    i wiped out my savings... made some bad business investments... spent mostly on girls. the hindsight i have now is my unwise business decisions and spending soooooo much in las vegas. however overall what i have spent on the ladies has resulted in some epic times. yes... i would do it different if i could do it again. tj mainly.
  • RandomMember
    •
    7 years ago
    Question is how do you define "disposable income." My rule-of-thumb is (less than) 1% of net worth per year. Might raise that is interests rates ever rise.
  • theDirkDiggler
    •
    7 years ago
    I don't spend my savings; i just don't save any more =)
  • theDirkDiggler
    •
    7 years ago
    Or more correctly, i save for strippers =)
  • Lurker_X
    •
    7 years ago
    I accrue my checking account about 4 to 5 months in the future... Plan for all known expenses like auto insurance, property taxes, utilities, some reserve for rental repairs, etc. I put 5% minimum in my 401k. This allows me to make good estimates of leftover "pad" in my monthly cash flow. I do not spend all of it on strippers, but *if I wanted to* i could throw about $1500 a month on that. Realistically save several hundred and pay down mortgage debt... And put another several hundred towards girls.
  • Cashman1234
    •
    7 years ago
    @gammanu95 that is a good point! I rarely make purchases with cash too. The strip club is one of the few places where I exclusively use cash.
  • Doces300
    •
    7 years ago
    Savings?... What savings?...
  • Lurker_X
    •
    7 years ago
    I have been working and saving most of my life... Including college when I would work and attend classes. I graduated with several thousand saved and no debt. It is about damn time I enjoy the money I earn.
  • Huntsman
    •
    7 years ago
    Tempting as the ladies may be, any kind of fun needs to be covered by excess income. Vacations, toys or women can't eat into savings or come from the mortgage payment and so forth. I admit to overspending at the club and that may have cost me a fishing trip but nothing more than that.
  • larryfisherman
    •
    7 years ago
    No way
  • JimGassagain
    •
    7 years ago
    Way
  • Call.Me.Ishmael
    •
    7 years ago
    Absolutely not. I have a budget for clubbing and all associated activities. I'll draw down my clubbing budget to cover other unforeseen expenses, but I'd never steal from my savings to pay for strippers.
  • lick-that
    •
    7 years ago
    As the song says "It ain't trickin if you got it", so if you ain't got it then it must be... I ball when I can. Not trying to impress anyone. So do it if I have it, but I can have a good time on $50 too. Get your Pimp game up, don't need to break the bank every time to do it.
  • lick-that
    •
    7 years ago
    @Doces. Savings?? Good one. These days that's most people for Real
  • Papi_Chulo
    •
    7 years ago
    A true playa don't worry bout no savins'
  • Dominic77
    •
    7 years ago
    I vowed to do more adult-ing in 2017, so I finally got a Savings account about a year ago, with automatic deposit. I haven't clubbed since I started saving, which probably isn't a coincidence. :/ [view link]
  • MrDeuce
    •
    7 years ago
    Never. Emergency fund, retirement savings, and travel account come first. What's left over goes to the ladies!
  • Rickberge
    •
    7 years ago
    I just use my proceeds from Fanduel and draftkings
  • lopaw
    •
    7 years ago
    Never. My rule is only disposable income is spent on fun stuff like strippers & hookers.
  • gawker
    •
    7 years ago
    I made the mistake of dropping about $100,000 from savings on my ATF. It was invested in an S&P index fund and would have been worth ($150,000 today. But I’ve got memories that S&P could never match. I also knew when I spent it that there were lifetime pensions at play, so money well spent.
  • Dominic77
    •
    7 years ago
    I forgot about starting the e-fund, d'oh! Savings, check. Health Savings/Medical Savings Account, check. 401k, d'oh. retirement, d'oh. Travel account? That one never occurred to me. D'oh. 2 out of 6, that's an okay start!
  • DandyDan
    •
    7 years ago
    I used to take from savings but I stopped when I started making enough.
  • houjack
    •
    7 years ago
    Nope. Savings come first, ladies get what's left after savings and all other expenses.
  • Dougster
    •
    7 years ago
    Other than retirement accounts I don't distinguish "saving" from other money. The bulk of it all goes into investment accounts, with a trickle in a checking account to pay mortgages and bills. For that reason, as long as the investment accounts are going up over time, I don't have a problem moving money into and out of them. Of course the flow is mostly into investment accounts, but I'm not religious about it. Also try not to do it too frequently because wiring money comes with fees that are more than they ought to be. Blockchain/Bitcoin will take care of that shortly.
  • Dominic77
    •
    7 years ago
    @mdfmk888, thanks for the financial insights.
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