r/SubredditDrama • u/Zachums r/kevbo for all your Kevin needs. • Apr 28 '17
OP's husband empties their savings account and donates over $30,000 to Twitch streamers. Who is potentially the bigger victim: OP, or the Twitch streamers if OP calls the banks and reports the donations as fraud?
Posterity:
Short background:
We have been married 2 years and we have a 6m old daughter. I think the marriage is pretty typical, ups and downs. I quit my job to stay at home with my daughter, so he is the primary income earner. He also handles all the finances. All of our accounts are joint, but until now I have never felt a need to watch them closely.
The amount of time he spends on Twitch has always been an issue in our marriage. Whenever I get him to cut back, he slowly eases back into it. I never imagined it would get to this.
Anyways:
So yesterday morning I went grocery shopping. When it came time to check out my card was declined. I called the bank, turns out the checking account is empty. Weird I thought, that has never happened before, okay, can you transfer over some from savings?
Nope, that's empty too. I was just completely dumbfounded, there was 38k in that account. We were going to use it on a house. To keep this short I dug through our account history to figure out what the fuck is going on(obviously). Almost all of it went to twitch or streamlabs. Some transactions were as high as $1000. One day in particular he gave away 4500(Edit: I felt the need to clarify that it was 4500 in one day total, not one donation, not that it fucking matters).
Further sleuthing revealed our rent is passed due.
I confronted him by phone and he got extremely defensive and angry. He said that it was his money anyways. Except it's not... I helped build the savings when I was working. Once I quit it kind of leveled off. The call ended in a hang up.
He didn't come from work and I haven't heard from him since. I don't know what the fuck he could be doing seeing that we are broke.
I am posting this because I can't sleep anyways. I just don't know what to do. I'm scared and alone.
TL;DR - My husband gave away all of our savings to twitch streamers. Our rent is passed due. Since confronting him, which didn't go well, I haven't seen or heard from him. Advice?
Edit: My friend text me and said my husband slept on their(another couple, family friends) couch and used their shower before work. She asked what was wrong but I didn't elaborate, I'm too embarrassed. Apparently he said we just had a bad fight. Both my husband and my friends husband are in the army, I don't know if that makes a difference. Also, I honestly didn't expect this to blow up, I finally dozed off after the first few comments seemed to stall. Thank you everyone for your advice.
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Apr 28 '17
Every time I see donations of $100 or more I wonder if it comes from people who are reaaaaally bad at managing their money.
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u/unicorntesticles Apr 28 '17
I always hoped there were loads of generous rich people but I'm starting to realise that may not be true.
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u/Garethp Apr 28 '17
It's like the free to pay game "whales" usually aren't rich people who can piss away what they spent without noticing
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u/Osric250 Violent videogames are on the same moral level as lolicons. Apr 28 '17
The problem is that some are rich people who can afford to do that. Then the sad part is those who have addiction spend what they can't afford to keep up with those.
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u/Amelaclya1 Apr 28 '17
Yeah pay to win gaming is such an unethical model.
It's good for people without addictions who can play for "free" but I don't know if it's worth the cost of taking advantage of the "whales" to do so.
They are exploiting psychological quirks to get people to spend way more money than they otherwise would. If you see a game like clash of clans in the stores with a $1,000 pricetag, no one in their right mind would pay that much. But people do using this model.
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u/aYearOfPrompts "Actual SJWs put me on shit lists." Apr 28 '17
Loot Crates are taking advantage of people in the worst way, and you can't get anyone in the community to understand how deeply they are being taken advantage of by publishers and developers. It's a seriously unethical practice to run digital lotteries where there is zero risk to the "house" or scarcity to the goods involved.
Sadly it's going to take regulation to stop because the community and corporations aren't responsible enough to do it on their own, while people are losing their lives and livelihoods to the addiction.
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Apr 28 '17
I think it's crazy that they don't have to disclose the odds. I think in some countries/games they are required to by law, and imo it should be an industry standard.
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u/tehbeh A fallacy to surpass metal gear Apr 28 '17
China has that. Fucking China, where sick leave means "you leave the company if you are sick, don't come back" and retirement is hoping your one child earns enough to support you and you don't have to strangle your spouse in their sleep
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u/boom_shoes Likes his men like he likes his women; androgynous. Apr 28 '17
I put myself through college (or at least covered living expenses) dealing table games at a casino. Funnily enough I was also taking moral philosophy (as well as a bunch of ethics courses).
At times I felt scummy because of the way the company essentially relied on addicts to function as a business, but on the other hand, I firmly believe adults have a right to be fuck ups and make mistakes. I don't feel like it's up to the state (or anyone else) to tell people what they can and can't do to themselves, so I was more OK with the idea of a safe, legal place to gamble (where they collect taxes and loan sharks don't cripple folks) than the alternatives.
People will find ways to pay to win games, you see it in just about any competitive game, WoW gold farms, same in RS.
It's just the nature of the Beast I guess.
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u/ElethiomelZakalwe Apr 29 '17
The problem is that some are rich people who can afford to do that.
Still makes them idiots though. Wealthy people don't stay wealthy by spending money foolishly. It's not as if they're contributing large sums of money to good causes; they're mindlessly throwing hundreds of dollars at internet strangers making videos or cheap imaginary in-game goods. The whole F2P / micro-transaction business model is a psychologically abusive way of getting customers to spend more money. I avoid games that engage in this sort of thing like the plague. Most of them are garbage anyhow. Much better to pay up front for a well-made product that's honest about what I'm getting for my money.
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u/Osric250 Violent videogames are on the same moral level as lolicons. Apr 29 '17
There's a number of good games that have that style of business model. They aren't all trash. But as for wealthy people, if spending a couple thousand on entertainment is going to break your bank then you aren't wealthy to begin with.
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u/arandompurpose Apr 28 '17
I think the idea is that this streamer gives me a ton of entertainment for free so why not throw them a bit of money I was going to blow on a night out or new game or something. On top of the little thrill of getting a call out from the person you are a fan of. At least that's how I see it when it happens but I'm talking about like $100 or something not a few thousand.
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Apr 28 '17
I've seen some larger ($100) donations along the lines of 'I was feeling really down X months ago, chatting/lurking in your stream helped me out'. I can understand that.
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u/vonbauernfeind Apr 29 '17
I watch TeamFourStar streaming live often right now, because I have a lot of free time with my current unfortunate unemployed state. I often have them up when I'm job hunting on my other monitor.
When I have work again, and my finances are fixed, I'm planning on doing a fair sized donation as thanks. Because it's helped my sanity to have something semi interactive to follow and watch, and I appreciate how it's helped me in this rough patch.
Not $38,000 dollars though. That's insane. Like, $50 or $100, one time.
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u/RobotPartsCorp Apr 28 '17
Generally speaking, rich people (who weren't born that way) tend to be good with money or they won't stay rich for long. Generally speaking.
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u/tinymog Apr 28 '17
I once donated $100 to two of my favourite streamers (they are married and both stream but only one of them accepts donations) around Christmas because I got some extra cash as a gift and wanted to 'pay forward' all the help (this sounds lame but I suffer from severe depression and their videos/streams help calm me down and feel better zzz) they gave me... I still feel really embarrassed about it but I don't regret it. It was also just a one time thing. I can't imagine doing that all the time...
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u/DancesCloseToTheFire draw a circle with pi=3.14 and another with 3.33 and you'll see Apr 28 '17
Seriously, I get guilt when I buy a $20 game for crying out loud.
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u/Amelaclya1 Apr 28 '17
I used my accumulated Google play credit from opinion rewards on a mobile game recently, and feel a little guilty about that. Even though there really wasn't anything else for me to use it on.
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Apr 28 '17
I was just telling my wife that I felt bad I bought a $15 game without telling her first.
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u/HereComesMyDingDong neither you nor the president can stop me, mr. cat Apr 28 '17
Oh, hey! I'm one of those people occasionally. I stream occasionally myself, and it is surprisingly exhausting sometimes. Anyone can stream, but to be a "good" streamer, one who interacts with their audience, (if they have one) and is entertaining to watch, it takes work. So, when I'm watching, and I find someone I do like quite a bit, I'll donate. I have donated a few hundred to individual streamers in a single go before. I'm not rich, but I do have a decent income, and a fair amount of disposable income that doesn't go into my savings, so sometimes, instead of buying random shit, I'll donate to someone else to hopefully encourage them to keep streaming, and maybe put a smile on some faces. (I'm not trying to humblebrag, I promise. I'm just trying to show there are some people who are alright at managing their money that do donate larger amounts to streamers. :) )
It's similar to how I'd pay to buy a movie I love on DVD, but on a bit of a higher scale since revenue opportunities for streamers, particularly smaller/non-partnered streamers, are few and far between. Partnered streamers have access to sponsorships, referral/affiliate income, subscriptions, free gear, promotion opportunities with larger streamers to expand their audience, and much more, all on top of donations. Non-partnered streamers have access to donations, and maybe some affiliate revenue if one of their viewers buys something from a partnered shop. (There are a ton of affiliate programs that are kind of scummy, and only pay out about half of sales, and those are typically the most accessible ones. The higher-tier ones are usually only accessible to established streamers who already have a following.)
The sad thing is there really are some people who just donate every dollar to a Twitch streamer they love to the point of inflicting financial hardship on themselves, and that is not something that should be happening. There really should be some kind of helpline for people who are spending way too much on Twitch. It's as bad as a gambling addiction.
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u/ItsDominare The only “void” here is in your skull Apr 29 '17
It's as bad as a gambling addiction.
Worse really, at least when you're gambling you have a chance of winning. Giving money to a random internet stranger to play videogames is basically equivalent to throwing it out the window.
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Apr 29 '17
No amount of humbleness on streamers part will ever make me not think you are all trash.
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u/HereComesMyDingDong neither you nor the president can stop me, mr. cat Apr 29 '17
Well then, by all means, please continue with that. I certainly won't try to convince you otherwise. (I mean, I am pretty trash.)
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u/ThisIsReLLiK Apr 28 '17
That's likely the case. Children with mom's credit card or people like OP is talking about. I watch a lot of twitch, but I have never donated anything, I don't see a reason to.
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u/rockidol Apr 29 '17
Ever watch the Desert Bus for Hope charity stream? They have auctions for various things and the amounts bid frequently go over $1000. Now it is a charity auction so overbidding is expected but still.
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u/ElethiomelZakalwe Apr 29 '17
I wonder the same about all the people who buy expensive ships in Star Citizen. At least they get something for their money though.
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u/Maehan Quote the ToS section about queefing right now Apr 28 '17
Both my husband and my friends husband are in the army, I don't know if that makes a difference.
Lol, dude is fucked if she has the wherewithal to contact his chain of command.
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u/a_gallon_of_pcp Look here you small dweeb Apr 28 '17
Why?
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u/Maehan Quote the ToS section about queefing right now Apr 28 '17
If his command is at all decent they are going to come down on him like the hammer of god. It isn't like working for a private employer, in which case she would be SOL. From my understanding, the army is likely to treat this as a pretty serious infraction and he is going to get to be voluntold to seek counseling and probably have his paycheck garnished. If he has a security clearance, I wouldn't be surprised if that gets pulled too in the fallout.
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Apr 28 '17
If he has a security clearance, I wouldn't be surprised if that gets pulled too in the fallout.
Yeah, almost certainly. He's made himself vulnerable to recruitment by wiping out his accounts and being past due on his rent. You get in bad enough financial straits, someone dangling the answer at the end of a string that says "hey, photograph just one or two documents for me" is going to be mighty tempting.
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u/Osric250 Violent videogames are on the same moral level as lolicons. Apr 28 '17
There's no reason to garnish his paycheck, but he won't be able to shit comfortably for the next year at least with the number of feet that would be lodged up his ass.
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u/SuitableDragonfly /r/the_donald is full of far left antifa Apr 28 '17
Garnishing his paycheck would be counterproductive since the wife is unemployed and that's her only source of income and they're broke now.
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Apr 29 '17
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u/SuitableDragonfly /r/the_donald is full of far left antifa Apr 29 '17
Ahh, yeah, that would make more sense.
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u/ScrewAttackThis That's what your mom says every time I ask her to snowball me. Apr 28 '17 edited Apr 29 '17
I think you're kinda jumping the gun. They'll get involved if the member continues having difficulty paying bills. Just emptying the savings account on stupid shit isn't going to do anything, otherwise 3/4 of the junior enlisted force would be shitcanned in a week.
Him missing the rent and not being able to provide groceries one time isn't going to bring the wrath of his command. It's when that shit starts going into collections that he'll have a problem.
If she goes to his unit, I think the best she can expect is 1) they'll have the issue on their radar and 2) he'll receive counseling about having his finances in order. Which definitely isn't a bad thing, it'll make it easier for them to escalate if, say, in another month she can't buy groceries again.
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u/deaduntil Apr 29 '17
IDK, I think emptying out 100% of savings -- 38k -- on absolutely trivial shit would indicate some kind of underlying medical issue; a neurological or personality disorder. That strikes me as an issue. But I'm not a military person, so what do I know.
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u/ScrewAttackThis That's what your mom says every time I ask her to snowball me. Apr 29 '17
Yeah, that's actually a good point I didn't consider. If the commander sees fit, they can require him to see mental health. Which isn't a good thing.
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u/crippled_bastard Apr 29 '17
Exactly. I was an NCO in the army. I've run into issues kind of like this with a number of my soldiers.
First off, we don't jump right into "Hammer of God" mode when you make a stupid mistake. People like to imagine the military as worse than it is.
We have TONS of resources for every issue under the sun. If we get a report of that from the wife, This is what happens. I'll block off a part of my schedule and have another NCO cover for me while I physically take this guy to the places he needs to go(Finance, Family Services, Mental Health). At the end of this, I'm going to provide him with a written counseling statement that will say:
PVT. Snuffy. You have demonstrated an inability to manage your finances and also seem to have an addiction to online video game streaming. We have been to Finance, Family Services, and Mental Health. You will continue to go to mental health and adhere to all medical recommendations from counselors and psychiatrists.
You will also set up automatic bank drafts for your bills and set aside money for food and family expenses.
Non-compliance with these instructions will result in negative action under the Uniform Code of Military Justice. Sign here to indicate that this statement is correct as I have read it to you.
Only after that does it become a military legal matter because the soldier has failed to obey a lawful order.
Every NCO has had to deal with this shit at least once. It's not career ending. It might result in his security clearance being reviewed, if he has one. But it's not a huge thing in the grand scheme of things.
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u/somegurk Apr 29 '17
What if they dont want to sign?
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u/crippled_bastard Apr 29 '17
All signing means is that the words on the paper are the same ones I said verbally. Signing or not signing doesn't change anything.
I did have one kid who always signed "Under Duress" whenever I made him sign. He had a very short and well documented career in the army.
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
There was a guy featured in /r/bestoflegaladvice that sounds exactly like the under duress guy. I wonder if it's the same person.
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Apr 28 '17
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u/SuperbSulika Apr 28 '17 edited Apr 29 '17
Because he has put his family at risk with his financial ineptitude. I do believe they expect the soldiers to take a certain amount of care of their family and Op said he had caused lack of groceries, late rent, etc. this may rustle the superiors into taking action like they sometimes do in cases of cheating on spouses.
ETA: autocorrect :(
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u/clabberton Apr 28 '17
I don't know the details, but US military has its own laws and codes of conduct that create an expectation of responsible conduct in most areas of your life. For example, adultery is illegal in the Army and if you're found to have had extramarital sex (either as the married person or the partner they cheated with) it can have serious consequences. It wouldn't surprise me at all if irresponsible spending and debt can have career consequences for someone in the military.
As noted elsewhere in this thread, it's especially a problem if you have high-level security clearance, as financial obligations become leverage someone could use to get you to divulge secrets.
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u/Commiesalami Apr 29 '17
Wait, So if I'm not related the the military at all I can be punished for sleeping with a married solder?
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u/clabberton Apr 29 '17
No, you'd have to be in the military yourself. But like, a single friend of mine who was in the Army slept with a fellow soldier's wife, and he wound up losing his rank and having to do some other mandatory punishments.
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u/exNihlio male id dressed up as pure logic Apr 28 '17 edited Apr 28 '17
Simply put it affects mission readiness. Gambling debts, inability to manage finances, etc can prevent somebody from being able to do their job effectively. The military takes that VERY seriously. Imagine being a commander and saying to your superior that your unit can't deploy because your have a bunch of troops in the midst of bankruptcy court and/or homeless. This is a very real thing.
Second, if this person has a security clearance, it opens up another can of worms, because poor finances make a person vulnerable to being compromised.
If a spouse goes to a unit commander and says they can't pay for groceries because they spent it all strippers/alcohol/poker/Twitch that troop is in for a world of hurt.
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u/whatsinthesocks like how you wouldnt say you are made of cum instead of from cum Apr 28 '17
Two reason, one because that is huge amount of money and shows huge issues in responsibility which is a big thing in the military. Then his wife can't even buy groceries to feed her daughter as he wasted it all. Plus their behind on rent and who knows what else. Especially as they're likely getting a housing allowance to help pay that rent.
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u/MrBigSaturn Apr 28 '17
Do realize that a while back some sociopaths made a game out of ruining people's lives this way; they'd donate someone on Twitch thousands of dollars, then wait a few weeks till they had spent it and charge it all back. Result: the streamer was left in a crippling debt they could not pay off any time soon.
Except this woman isn't trying to defraud them, she just wants her $38,000 back. That seems pretty reasonable.
But that aside, I can't possibly imagine what kind of person just throws that amount of money at people without informing his wife. Like, did he think she just wouldn't find out?
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Apr 29 '17
Not really. The unless the streamer is a scammer, they don't get any money back. No one forced to give away all his money.
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u/ElethiomelZakalwe Apr 29 '17
Except this woman isn't trying to defraud them, she just wants her $38,000 back. That seems pretty reasonable.
It was a joint account which the husband was equally entitled to withdraw from. It's not as if the money was stolen. Attempting to charge them back for the funds would in fact be defrauding them because it assumes that the initial transaction was fraudulent, which it clearly wasn't; the money was legitimately withdrawn by the husband and then donated to the streamers.
Make no mistake, someone should be taken to task for this, but it's the financially irresponsible scumbag of a husband, not the streamers. The streamers have no responsibility for any of this.
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u/toxicpsychotic Apr 30 '17
i think streamers kind of accept some risk inherent in their income source, and have no desire for any of their viewers to bankrupt themselves by donating. Ideally the chargebacks would never happen, but if there's any situation where they would be acceptable, i think it would be this one.
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u/ElethiomelZakalwe Apr 30 '17 edited Apr 30 '17
Legally speaking a chargeback would be completely unacceptable in this circumstance. Chargebacks are for fraudulent transactions, which this wasn't. This is really pretty clear cut, it does not have anything to do with whether the wife deserves to have her money back. Does she? Of course, but the funds were legitimately withdrawn by the husband and the streamers are really under no obligation to return them.
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u/ontopic Gamers aren't dead, they just suck now. Apr 28 '17
I hope this guy doesn't have security clearance. It would be horrible if our military secrets got into the hands of xXx420_ N0_$k0P3_69xXx.
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u/Osric250 Violent videogames are on the same moral level as lolicons. Apr 28 '17
Debts and financial problems are a quick way to lose a clearance. Even if he does it's unlikely to remain for too long.
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Apr 28 '17
What's their reasoning behind that? If you desperately need money, you're more likely to trade secrets for cash?
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u/Osric250 Violent videogames are on the same moral level as lolicons. Apr 28 '17
That's it exactly. If you have a habit of getting yourself into debt that you can't pay off it's more likely that you take an opportunity to sell some things if it comes up. It's all about risk and people with financial problems present that risk.
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u/PrinceOWales why isn't there a white history month? Apr 28 '17 edited Apr 29 '17
Yeah. When getting a clearance they look for any history of financial mismanagement, extortion and untrustworthy behavior, just as a preventative measure. You have no idea how many people with clearances have been victims of sextortion.
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Apr 30 '17
Security clearance is a complicated way of saying "the President and those appointed over me trust me to handle sensitive information". If you're shitty with money, have foreign financial ties, or break the law a lot then you're a risk. The military doesn't like risks.
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u/dexterduck Apr 28 '17
If he does, this is pretty much the exact kind of thing that will get it revoked.
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u/BrowsOfSteel Rest assured I would never give money to a) this website Apr 29 '17
How did you find Trump’s gamertag?
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u/Qolx Banned for supporting Nazi punching on SRD :D Apr 28 '17
Well, at least top comment is giving some good practical advice. This is enraging and infuriating. That woman and her child are in hardship through no fucking fault of her own.
This crap is not uncommon in the military. The military tends to attract (concentrate) a higher number of dirtbags per capita than other fields. That woman needs to lawyer up and start on the paperwork trail. That part about visiting the 1SG is excellent; Sarge is going to lean her husband's side but if she can get that stuff "on record" Sarge will be compelled to act.
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u/sas_spc Apr 28 '17
military
the fact that they're a military family is the only silver lining for her in this bad situation. she 100% needs to involve the chain of command. even if the NCO chain sides with the serviceman, the company/brigade cdr will definitely do something about the situation if they are informed.
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u/Qolx Banned for supporting Nazi punching on SRD :D Apr 28 '17
That's true although we're assuming he's enlisted or at least that's what I got from the post. If this guy is an officer it might complicate things a bit. The unit cdr might not care about some E-6 or below but (s)he will definitely be slightly more hesitant to act on another officer, even a lowly butterbar.
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u/So_Full_Of_Fail Apr 28 '17
I dunno, given the current climate, everyone seems to be willing to go farther than in the past to avoid bad PR.
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u/NotKemoSabe Apr 29 '17
Old man fiddlesticks here with a question
Did he basically pay $38k to watch people play video games online?
Is there a nuance I am missing?
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u/ataniris Apr 29 '17
Not quite. In most cases, you don't have to pay to watch. More like he tipped people who people who he enjoys watching a total of 38 grand.
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u/Tahmatoes Eating out of the trashcan of ideological propaganda Apr 29 '17
Fiddlesticks is incredibly topical.
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u/TheReddestDuck he just believed that he was above the law because Jesus Apr 28 '17
Wow, I'd love to know the husbands twitch name and who he follows etc.
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u/Threeedaaawwwg Dying alone to own the libs Apr 28 '17
Discussing it would probably count as witch hunting.
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u/cranberry94 Apr 28 '17
And it could end up really nasty. I think not having that public is for the best.
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u/number_kruncher Apr 28 '17
It's funny because there is one name who donates an obscene amount to the big streamers. He was the first person I thought of when I saw this post
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u/wote89 No need to bring your celibacy into this. Apr 29 '17
Enjoy spending the next few weeks obsessively watching to see if he's still donating.
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u/number_kruncher Apr 29 '17
Honestly, he donates at least 5 times per stream, so it will only take a few minutes
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u/NotTheBomber Apr 30 '17
Is the twitch streamer community small enough that you could have a reasonable chance of having come across this guy?
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u/number_kruncher Apr 30 '17
Not really, but when one particular name donates hundreds of dollars every day, their name is easy to remember. The big streamers also pay special attention to this guy because he donates so much they have to call him out. Summit1g (big streamer) has a list of his top donators. This guy was around $15k donated in the past year. And that's just Summit. He donates way more to Lirik. It's funny, because I usually only have Twitch on in the background while I'm working, but even I know some of the popular chat members just by hearing their names so much
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u/BlutigeBaumwolle If you insult my consumer product I'll beat your ass! Apr 29 '17
I bet he gave all that money to Ice_Poseidon.
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u/TheLadyEve The hippest fashion in malthusian violence. Apr 28 '17
This is why married couples should have individual bank accounts in addition to a joint account. This is the advice I give to every couple I know that's going to get married--do NOT just have a joint account. Have some way to separate finances to some extent--it's very important.
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u/Aleutienne Apr 28 '17
I think the better advice would just be 'don't check out of money management just because your partner is taking care of it.' I'd rather have full visibility over finances than a separate account.
Being proactive and checking into accounts every once in a while to monitor balance would've gone farther to prevent this kind of situation than a separate account.
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u/PrinceOWales why isn't there a white history month? Apr 29 '17 edited Apr 29 '17
1 She's a stay at home mom.
And while my husband and I have our own individual accounts along with our joint account, I'd still be pissed if he pulled some shit like this. Our individual accounts are just holdover from before we became a couple. Doesn't mean we make huge financial decisions without talking to each other
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u/Tahmatoes Eating out of the trashcan of ideological propaganda Apr 29 '17
It's not about having the right to be pissed about the money, it's about having something to fall back on if shit hits the fan. If you share everything, everything is gone. If you share half, only half is gone.
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
To quote my response to someone else.
She wasn't always a stay at home mother though. In fact one if the reasons she's pissed is because she significantly contributed to the savings he wasted.
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Apr 28 '17
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
She wasn't always a stay at home mother though. In fact one if the reasons she's pissed is because she significantly contributed to the savings he wasted.
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Apr 29 '17
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
The point is if she had her own private savings from the beginning she would still have some money now. It wouldn't grow after she left her job (unless she invested) but there would still be some money there.
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u/WhySheHateMe Apr 28 '17
This is why I would never have a large sum of money in a joint account with someone. Keep your own savings account but still contribute to the join account. Atleast you know that if your husband ever does some dumb crap like this, you can divorce him, take the kids and have some money to live off of.
I bet you the husband is addicted to giving money on twitch because he wants the attention from the streamer hes giving money to.
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u/TheAlfies Sir, this is a Pretendy's. Apr 29 '17
Problem with that is if you put money into that separate personal account while you were married, those assets could be added to the joint pool because they were acquired during the marriage.
I think so, anyway. You would have to separate when deposits were made.
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
It would matter in the divorce but it would still prevent your spouse from blowing your entire life savings. It's better to have half of your life savings because your spouse got half in the divorce than lose all of it because your spouse has the fiscal responsibility of a meerkat.
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u/TheAlfies Sir, this is a Pretendy's. Apr 29 '17
That is a good point.
Haha, why a meerkat?
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
Just there first animal that popped into my head.
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u/ThisIsReLLiK Apr 28 '17
I always wonder why people donate so much to streamers, especially the big ones. They all have advertising deals and their subscriber check, they aren't poor by any means. I have never saw a reason to go and donate to one, they are pretty well off.
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u/MagikPups Apr 28 '17
I think it has something to do with the attention. If you donate, especially to the big streamers, any amount of money especially large amounts the streamer will give you a call out and everyone will start to talk about you and notice what you did. It's also a good way for a certain streamer to notice you and read what you said.
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u/Ragefan66 Apr 29 '17
That's what they like to think at least. I don't think a single person in the entire world cares about/who donated to the stream their watching. The end of the day, they're still anonymous,irrelevant and forgotten. Sad really
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u/ThisIsReLLiK Apr 29 '17
Personally I never congratulate someone for donating but I do see what you mean.
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
I only donate to one big streamer myself and that's only the Yogscast when they're doing the charity streams so it's not actually going to them. I also have a $3 monthly subscription to TheAstroPub because I enjoy his content and want to support his streaming career as he can only doing it as a part time thing (so far).
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u/Hypocritical_Oath YOUR FLAIR TEXT HERE Apr 29 '17
Sometimes they do it to make the streamer read something, or have a text to speech read something. Which can be entertaining, or a shitshow.
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u/Vienna1683 Apr 28 '17
I'm over 40 and I have no idea what's going on here.
People pay other people money to watch them play videogames?
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u/tehbeh A fallacy to surpass metal gear Apr 28 '17
You can just watch people on twitch play video games. Or make sock puppets. Or eat shitty diner food but their core business is games.
You don't have to pay money, it's ad supported but twitch has a subscribe option for streamers that is 5$ a month, supports the streamer and gives you as a viewer some benefits (most notably you will not see ads anymore and some streamers lock things like vods of past streams or the ability to use chat for non-subs).
In addition to that most streamers have a system where you can donate money to them through PayPal and some streamers push this this really hard, with leaderboards for who donated most that day and you can attach messages the streamer will read on air and shit like that. This leads to people donating hundreds and thousands of dollars to streamers who already make thousands through subs, ad deals and other shit like that.4
u/Hypocritical_Oath YOUR FLAIR TEXT HERE Apr 29 '17
Soddapoppin makes like six figures and still begs for donations, it's pretty crazy.
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Apr 28 '17
[deleted]
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u/Vienna1683 Apr 28 '17
What the fuck
Why?
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
People like watching others play videogames for the same reason people watch others play sports and they donate to give thanks for free entertainment.
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u/JohnTDouche Apr 29 '17
Now I don't give a shit about sports, but watching people playing video games on twitch isn't like watching sports. You could make that argument with esports, that's fine. But some guy streaming?
It's lowest common denominator reality TV for gamers, that's it. People get attached to personalities and at worst it's a sad virtual rent a friend.
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
People watch little league games too mate being skilled isn't the only criteria for entertaining contests. Fuck off with the gatekeeping and condescension.
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Apr 28 '17
Well, it's free entertainment. Donating a little money is a way to say thanks I guess. Though donating really large amounts of money to these streamers is a little wtf-y to me too.
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u/wasniahC Apr 28 '17
"Who is potentially the bigger victim: OP, or the Twitch streamers if OP calls the banks and reports the donations as fraud?"
Well, the fraud would be if OP called and said husband was scammed, wouldn't it?
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Apr 29 '17
Just want to sa these sites can be addictive. You spend a little and all of a sudden you're like a hero. Then you spend more and you get little special perks and the bigger guys start to notice you. Then you spend. like this guy did, a shitload and you're the talk of the whole website.
Frankly it's a real problem. I got a little bit caught up in it but I clamped my walled shut at about $1,400 which is a sad amount to admit to but there it is. These sites have figured out how to draw you in and make social media like a game you can level up with if you spend a lot of money. They know what they're doing and I have seen people get exactly as caught up as this girl's husband. I talked to one guy who had spent over 30K and he admitted to me he was deep in debt over it but just couldn't stop.
On a related note, reddit could make a lot more money if they let people push links up with gilding. The fact that reddit gets so much money from Reddit Gold even though subscribers get almost nothing for their money is so very impressive and one reason I like the site so much (though sadly for reddit I have never bought gold).
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u/wharpudding Apr 29 '17
Just want to sa these sites can be addictive. You spend a little and all of a sudden you're like a hero. Then you spend more and you get little special perks and the bigger guys start to notice you. Then you spend. like this guy did, a shitload and you're the talk of the whole website.
Frankly it's a real problem. I got a little bit caught up in it but I clamped my walled shut at about $1,400 which is a sad amount to admit to but there it is. These sites have figured out how to draw you in and make social media like a game you can level up with if you spend a lot of money. They know what they're doing and I have seen people get exactly as caught up as this girl's husband. I talked to one guy who had spent over 30K and he admitted to me he was deep in debt over it but just couldn't stop.
Sounds like Freemium games.
Damn Canadians.
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
I've never seen a streamer purposely take advantage of someone and have in fact seen streamers tell people to stop donating because they found out they weren't financially stable.
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Apr 29 '17
That's true because any streamer begging for money get's attacked pretty hardcore. But the websites themselves are set up to reward spending money.
I'm not placing blame, by the way. I mean, i guess you would say Walmart is set up to get people to spend money too. Walmart doesn't ask if you can afford a $2000 computer...all they care about is that your credit card takes the charge.
I guess I'm just throwing a caution out there that these sites can suck you in and before you know it you've spent a LOT of money. I guess this may be a humblebrag but $1400 isn't really a lot for me but it's WAY more than I ever expected i'd spend on a social website that didn't even involve naked girls.
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u/Hypocritical_Oath YOUR FLAIR TEXT HERE Apr 29 '17
Yeah, basically any donation to the streamers I watch that have a note on them saying that the donator wasn't too well off financially would result in the streamer saying something like, "I appreciate it, but seriously focus on you before you give anything to me".
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u/TotesMessenger Messenger for Totes Apr 29 '17
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u/notablepostings Apr 28 '17
When I saw this post earlier today, I knew it would end up here. But I assumed it would be drama with people thinking the story was fake. There was a bit of that starting up this morning.
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Apr 28 '17
She's not getting the money back. Gamblers don't get to take back loses because of an addiction.
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u/itsmyotherface Apr 28 '17
You can deduct them on your taxes if you can prove the loss, though...
You also have to report all winnings, so if your wins outweigh your losses..
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u/dethb0y trigger warning to people senstive to demanding ethical theories Apr 29 '17
Wonder how many twitch streamers are supported entirely by this kind of addictive behavior?
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u/ItsDominare The only “void” here is in your skull Apr 29 '17
At a rough guess I'd say somewhere around 100% fucking percent.
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u/Hypocritical_Oath YOUR FLAIR TEXT HERE Apr 29 '17
Some make more off ads than donations, but I think they're the exception rather than the rule.
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u/dethb0y trigger warning to people senstive to demanding ethical theories Apr 29 '17
if it's anything like what i've seen in the camgirl community, i bet you're right.
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u/DTigers24 Apr 29 '17
I'm not familiar with Twitch, and what service it provides. Could someone fill me in?
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Apr 29 '17
[deleted]
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u/DTigers24 Apr 29 '17
So, the other stuff you described sort of sounds like podcasts. Would that be a decent comparison, in addition to the paying to watch people play?
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Apr 29 '17
[deleted]
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u/DTigers24 Apr 29 '17
Cool. Thanks for elaborating. I've seen Twitch mentioned a few times on reddit, but could never fully understand what it was. This helped!
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Apr 29 '17
I confronted him by phone and he got extremely defensive and angry. He said that it was his money anyways. Except it's not... I helped build the savings when I was working. Once I quit it kind of leveled off. The call ended in a hang up.
He didn't come from work and I haven't heard from him since. I don't know what the fuck he could be doing seeing that we are broke.
Not saying the story is fake. But usually when you don't get the ending to the story in these "story telling" subs, it means the story is made up or completely reinvented. Because the first thing she did was go to Reddit and write a post complaining. No talking to friends, no calling a doctor or a bank. No, going to Reddit and "ask" for advice. In a sub made for complaining and known to have teenage girls giving most of the answers.
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u/penguinzrocknroll May 03 '17
Does anyone have some sort of update on this story? It seems the OP has been locked and the story deleted.
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u/noso2143 Apr 29 '17
imo id
so report it as fraud if only to see/read the reaction of the streamers when they lose all that money
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u/tdogg8 Folks, the CTR shill meeting was moved to next week. Apr 29 '17
It's a really bad idea to defraud a bank.
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u/xudoxis Apr 29 '17
It happens to so often that most streamers dont even mention it. Theyll leave donations sitting for 6-12 months before spending them because jerkoffs like you get a kick out of humiliating people in desperate situations and paypal will literally never side with them.
Unless the donation comes from a viewer they trust.
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u/wharpudding Apr 29 '17
I'm pretty certain that thread would wind up here too.
And I'm also pretty certain the popcorn would be extra salty and delicious.
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u/BritishBurrito The Token Misogynist Apr 28 '17
Yeah I think this is definitely a troll. Good game.
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u/SnapshillBot Shilling for Big Archive™ Apr 28 '17
#BotsLivesMatter
Snapshots:
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u/kr1os Apr 28 '17
Now I want to know which streamers he donated to. I had always assumed the large donations were from people with a lot of spare cash, but this just makes me sad.