PSA: Cash only is the ultimate spending discipline

I will never use a credit card in a strip club, but I do use the the ATMs often, since I don't carry much cash in my wallet and finding a business en route with an ATM isn't always practical.

My bank refunds my ATM fees as a high-tier customer. The other day, I was at a club that charged a $30 ATM fee. It was no problem because my bank refunded me the $30 within a day. I'm not too sure how many banks do this for their clients, but in a typical year, I will be saved $500-600 in ATM fees. Yes, a legitimate strip clubber will rack up those kind of numbers in a year of ATM usage. My biggest beef with strip club ATM's is their withdrawal limits. Some only allow $200 per swipe which is nothing; $200 might only get you fifteen minutes of VIP time. At least set the withdrawal limit to whatever one hour of VIP time costs so I don't have to make four swipes to get the cash I need.

“Increasingly uncertain economic times”…

Due to what, continued riding costs, or the end of govt handouts? Don’t say both. This has been the most predictable recession in history, as the fed never has been this aggressive hiking rates in this short of period, including Volcker days. The past went from 3% to 6% in one year(short end), and recently we went from 0.25% to almost 5% in the last 12 months. Anyone who is used to borrowing $$ has less discretionary income, and monetary policy hasn’t even been fully felt. We are seeing drops in housing prices just starting to show up on a yoy gauge and food and energy will also come back to balance with pending recession(officially) looming. In real time, the recession is here because total deposits have dropped the money supply , some say by as much as 5% total on circulation the past 12 months.

The young spending strip clubbers don’t think about this, they’re just looking for their next nut. Macro wise, they’ll have plenty of broke friends to cry in their beer to keep company, and then I can tell them “I told you so!”

And wash your ass before you go to the club too, you filthy PLs!!!!!

I’d like to think that I could manage using plastic in a strip club, but the only plastic I want to touch are the fake titties at Diamond Dolls. I always only use cash, and I never use the strip club ATM. When the cash is gone, it’s time for me to leave.

not withdrawing money at any atm machine that's located at any other place other than a strip club is just bad strategy and laziness.

Agree with op. Cash has the added advantages of being untraceable, and lighting up the eyes of dancers.

m.youtube.com

Drew makes good point: all of your credit card and ATM transactions leave a trail. If you have an SO, could be dangerous. Or an ex asking for more child support. Or someone running against you for mayor or whatever.

So you with SOs, start paying for stuff with cash. Tell her you tip waiters in cash to make sure the restaurant doesn't skim some of it. That's a bullshit line, but explains why you always have cash. And when you get a couple of hundred from an ATM, stick a couple of 20s somewhere safe. You don't want her to see that you pulled $300 out of an ATM and have only 13 left the next day.

===> "And when you get a couple of hundred from an ATM, stick a couple of 20s somewhere safe. You don't want her to see that you pulled $300 out of an ATM and have only 13 left the next day."

For people who are employed by others and share a joint account with the Mrs., that's what a side play account is for. Most employers allow employees to break their direct deposits up into more than one account. It's a simple matter to open a personal account on the side, use your employer's address for mailing purposes and, for added security, choose the paperless account option, and have a modest % of your salary diverted elsewhere. Cause as a practical matter you're not going to be able to hide large amounts of spending otherwise.

Cash is King,,,at least for now. Fedcoin will rise from The Primordial DC Inner Beltway Swamp over the next 15 or so years.

it took me about 2 years to get wise about not using credit cards in a club or a club ATM. I was really slow on learning. Cash is King!

Cash only. As further fiscal discipline, since 2015 I’ve kept a log of every dance purchased, dancer, extras obtained, & total cost. Helps track if I’m blowing the budget, I compare month to month. I spent about the same in 3 years 2020-22 as I did in 2018 or 2019, so I guess thanks COVID? Picking up steam this year, though haha.

I never even bring plastic because I would never spend more than the 8-950 in my wallet. I always have a lot of cash because of strip clubs and poker. Also, having worked for many years in a large city in a not great neighborhood I want the people who rob me to be so fucking thrilled with the cash that they don't kill me.

^hahahahaha!

I try to make a distinction b/w “spending” money and “wasting” money.

I don’t mind spending money in da-club if I’m having a good-time – I do mind wasting money and why I avoid SC-ATMs and avoid using CCs in-the-club.

Every now-and-then I have used a SC-ATM; sometimes b/c I can’t make it to one of my bank-branch’s ATMs; or more-commonly b/c I was having a great time in-the-club and wanted to keep the good-times-rolling – but these are the exception and not the norm and I will usually hit the club w/ the cash I need.

Leaving the club when the money you-walked-in-with is gone is good-advice – but I’ve never been one to be an over-spender in life in general and it’s never really been a big-battle for me w.r.t. controlling spending – thus over-the-years there have been times I’ve hit the club’s-ATM b/c I was really enjoying myself; and looking-back after-the-fact/years in-my-case I was glad I did it b/c I did enjoy myself so in my case it was a good ROI but then again I didn’t have a family/kids that depended on me.

I suspect that using the club ATM is a ROB magnet.

I get the fees refunded for a certain number of withdrawals. But I avoid fees even if I don't explicitly pay them. The customers of the financial institution will ultimately be the ones who, as a group, pay the fees.

I was going to just ignore this pathetic troll post, and your comment in my ATM fee post at Flight Club, but I have to admit I am really curious about why you are constantly picking fights. Is it that you are a drama queen and the board is to civil, so you are rushing to fill the gap left by Icee? You obviously have severely low self confidence issues that you are way overcompensating for, is that why you have to pretend to be the alpha to a bunch of strangers? Or are you projecting your feelings of financial inadequacy onto me, because you know you spend more than you can afford on drugged up strippers and it's affecting your family's financial stability? Or is there some other reason? Maybe something in your childhood?

^ Someone's clearly butt hurt.

I've posted over 200 reviews and 459 mostly topical discussions on this site over 13+ years. I'm hardly a troll. I posted what I posted for one reason only, which is because you seem to be struggling to finance your fun with cash. It is an object lesson worth sharing. Either that or you're the one person on this board who can never seem to locate a bank ATM in his travels. 😉

Sorry if that got your panties in a bunch. I try never to tell another grown man how to carry himself, but perhaps next time put your man pants on instead of melting down like a whiny cupcake. Just a thought.

I can't believe I let myself get dragged into another thread with you, even though I meant everything I wrote I'm embarrassed I replied this way and am done.

I started to write a comment, but decided to pm Scrub instead. Thanks founder.

===> "I can't believe I let myself get dragged into another thread with you, even though I meant everything I wrote I'm embarrassed I replied this way and am done."

It's not my fault that you lack the finances to spend in a strip club without pulling out a credit card, or that you cannot handle the slightest whiff of criticism without melting down like a fucking sissy.

Bagger rider, that’s cool! Funny, too.

Cash only.

This is the way.

There’s a Wells Fargo ATM right between SR and Synn in COI. There’s a ATM in every convenience store or grocery store. I only club when traveling for business and I can always find an ATM ahead of time even in a new city. There is no excuse.

The fed is raising rates to raise unemployment numbers. It will hit a lot of us if they get their way esp younger dudes.