Don't have shared bank accounts.

bam2_89 · 2014-02-17T08:35:29+00:00

I learned this from experience as a teenager:

Bank account set up at 17 under mom's account as guarantor.
18 and 19 roll by without me taking any action because I didn't think anything of it.
Mom sets up similar account under my crazy sister's name without my knowledge. (Had I known, I would have gotten a new account.)
Bitch sister deliberately writes a hot check to finance her expedition to California to pursue her lifelong dream of being a whore. Both my mother's account as well as mine are emptied of several hundred dollars a piece made even worse by overdraft fees which Bank of America refused to take off.
Mom enables my sister as usual.

Lesson: Trust no one with your money. Even if you can trust them not to do something crazy, that doesn't mean you can trust them not to do something stupid.

EDIT: And fuck BofA and all the big banks. Put it in a credit union.

Archwinger · 2014-02-17T15:37:38+00:00

This entire situation is the epitome of pathetic.

The man in this example is NOT married to the woman. They're just boyfriend and girlfriend, for maybe two-ish years. She has no job and no assets.

Fully knowing that he is dating a woman with no job and no assets who is completely unable to contribute financially to his life, he signs a lease with her, and opens a joint fucking bank account with her, willingly so she can go write checks and spend his money while he's at work.

Why? Because she's a woman who's willing to fuck him, and when you're a worthless piece of shit man, that's hard to come by and worth any price. This guy's likely spent his whole life not getting pussy, and finally, when he finds a girl, and all she wants is for him to pay her rent and let her spend his money, that seems like a good deal. He fucking knows she just wants him for his money but is pathetically hoping she'll come around and love him if he keeps taking care of her financially.

And he's surprised to catch her trying to steal all of his money at the first sign of adversity. Any idiot could have told him that at the first sign that this gravy train might be in jeopardy, she was going to cash out the entire joint account and run. Any idiot could have told him that bending over backward and giving this woman everything she wanted was a loser move. But when you're a worthless piece of shit man with no self-respect and nothing going for you, buying the illusion of a girlfriend with your hard-earned money seems like a great idea. She might even grow to love you, right?

What a fuck-tard.

thegorechild · 2014-02-17T08:09:50+00:00

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rebuildingMyself · 2014-02-17T08:28:15+00:00

Damn. And my gf wonders why I don't just freely give her loans.

Lilcheeks · 2014-02-17T08:53:10+00:00

Whenever a girl tries to get any sort of money out of you, whether early or late in the relationship, that is when you downgrade her to a plate or just cut her out completely.

LOTS of BP guys, and even some halfway RP guys with decent overall game will fall into this peculiar trap. They are OK helping her financially with tiny things, a lunch here, not contributing for gas money, etc. The girl is feeling you out, these are compliance tests. Next she goes for bigger things, like getting her a new purse, loaning her money for this, and after 2 years or so, these motherfuckers are putting that bitch through law school and opening joint accounts.

You have to say NO to the earliest compliance contests. Like as in, you're splitting a cab fare, a parking fee, McDonalds, etc. If she says you're a cheapskate and leaves, she was never even going to be a good PLATE, letalone a GF.

You're training her to see you as a resource to tap. Sometimes, I'll even make arbitrary demands of her, like if she is begging me to go see some play or some shit, I'll have her buy me tickets, just to fry her whatever's remaining of her gold digger instinct. Plus, it's a compliance test that she passes, teaching her that my time is (literally) valuable.

General_Fear · 2014-02-17T14:25:44+00:00

How many sports figures have been ripped off by those who managed their money?

My uncle trusted the woman he lived with. She handle all the finances. When they broke up, the bank account was empty. So at the age of 60, he was penniless. Then he found out that his ex bought a house. So now he is getting by.

I can tell you story after story. In the end, don't trust women with your money. They will take you for everything you got.

smokeybehr · 2014-02-17T14:05:25+00:00

I have my account that my check goes into, my wife has her account that her check goes into, and we have an account that we both transfer money into to pay the "house bills" (mortgage, utilities, etc.). There's never more than $2400 in it, because that's what it costs every month. Sometimes there's a little extra, but that gets eaten up on something for the house.

Since we both work, we we have our own money, and even if one of us didn't have a job, it wouldn't be long before we did.

Clauderoughly · 2014-02-17T15:35:30+00:00

You can have a shared account, just make sure it's not the account your pay automatically goes into.

My wife and I have one shared account, for all the bills and shared expenses, but we also have individual accounts for respective pay cheques and own expenses.

I just set up an auto transfer every week to kick money into the shared account, and she does the same with her account.

Quick, easy, no mess, no fuss.

redpillbanana · 2014-02-17T11:31:35+00:00

Yeah...keep those accounts separate - Red Pill 101.

You're going to need that firewall between your finances because one day she might bring that flamethrower out.

GayLubeOil · 2014-02-17T16:47:44+00:00

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Evolved_Red · 2014-02-17T20:04:20+00:00

He has a shared bank account

Fair enough, I was there in that trap once too.

With his GIRLFRIEND

What the flying fuck? Why would you share something of monetary value with somebody who has no legal / moral binding commitment to you? I could understand if he shared an account with his wife but goddamn, a girlfriend? How stupid could you get?

Share a meal, a drink, bodily fluids or whatever else but not a bank account!

fruitofmyloom · 2014-02-17T16:36:06+00:00

I can't stress this enough. Over our marriage, I built up close to a million dollars in cash. Cash because I didn't have time to learn to invest properly. I never gave her access to the accounts and since we had a prenup, I prevented losing my assets by buying her off enough to make it not worth her while to fight an uphill battle that she couldn't afford. Key thing was that her income was a terrible salary and we lived as if we only had 2x her income than mine + hers. This means "lifestyle" was "lol, we're poor". I still live like that, just with nicer cars and better watches.

Had her name been on the accounts, I can guarantee you it would have disappeared a week after she started thinking about divorce.

Now that I think about it, she did try very hard to get her name put onto my parents' house in the year leading up to it. Didn't happen, thankfully.

I knew her since I was a baby. She was my best friend growing up. Families go back at least 40 years.

AWALT.

SchrodingersRapist · 2014-02-17T19:03:22+00:00

My ex and I had a joint account solely for bills, and I purposely told them not to issue checks, to issue one debit card to me, and disable overdraft "protection" so the card would be declined if it was used for more than what was I the account. It never had money just sitting in it to take, I would get money from her and put it in the account with my half to immediately pay the rent for the current semester. Bills would be split as they came I and money put intothe account to pay them.

Basically it was an account that only had our living expenses and while she had "access" I was the sole card holder and never told her the account number. It worked out well for three years and when she inevitably went psycho there was nothing for her to take in that department from me. Also allowed me to prove what her "half" of rent had been through showing the checks deposited to the account for those years when she attempted to skip out on her responsibility. Just be fucking smart and in control of the important shit. Keep records of that shit and dont give them access to more than you are willing to lose.

Freshtowels · 2014-02-17T10:06:00+00:00

I get a kind of non sexual arousal when I read this and ither kind of stuff. I think im a bad person.

FloranHunter · 2014-02-17T18:27:28+00:00

I have worked in family law, be it my own cases or helping thousands of in pro persona litigants complete their dissolution paperwork to file themselves, and the main thing that you learn through this kind of experience is fuck community property. There is no law preventing you from voluntarily sharing your wealth with your wife or long term partner that they will not be entitled to after you split up unless you are state-recognized married to them. If you want tax benefits so badly then form a corporation.

mykart · 2014-02-17T20:20:26+00:00

My parents were married for 45 years and never had a joint account. I have no sympathy for this dude.

JoshtheAspie · 2014-02-18T05:06:06+00:00

The only thing I can think of to say in defence of this man is that if you want a live in girl-friend, the only way many (not all) renting companies will permit that is if you put that person on the lease, in order to make both of you financially liable.

Nieben · 2014-02-17T12:17:08+00:00

Hahahahahaha... what a fucking idiot.

nsummy · 2014-02-17T17:00:42+00:00

Sounds like the scene from Casino when DeNiro is rushing to the bank to stop the withdrawal!

2014-02-17T19:12:42+00:00

The question here is why'd he put money into the joint account that he can't afford to lose.

And since we're on the topic I'd rather pay hookers because you can switch when you get tired of the same one (if you're paranoid like me and would rather stick to the one that you know isn't a cop). This is just plain retarded.

And if you need emotional attachment beyond bros? Get a dog. Dogs are awesome.

Abbrevi8 · 2014-02-17T23:50:24+00:00

The first thing many of my co-habbiting friends (or rather, their girlfriends) did when they moved in together was get a shared account.

rebuildingMyself · 2014-02-18T05:54:57+00:00

I think the only way you can pull it off is if you live together, she's not on the lease, you pay bills together, and need an account that you both put in an amount to pay bills with. If she cunts out and drains it, it would only be half the month's bills. Otherwise, it's best to keep yourself protected.

ilike2partyhowaboutu · 2014-02-17T23:51:05+00:00

First question on a date should always be:

"How much debt do you currently have?"

ohsweetword · 2014-02-17T16:54:17+00:00

who shares their bank account with a girlfriend?

Lets_get_Medical · 2014-02-17T15:58:40+00:00

May I ask why You guys must use redditlog? How can I get to the original post from there so I can comment on it? As a community we need to help the ones in need. A man who doesn't need help will most likely never change his ways, but someone like this can definiitely take some advice.

pcadrian · 2014-02-17T10:30:20+00:00

[permanently deleted]

Title	Don't have shared bank accounts.
Author	[deleted]
Upvotes	162
Comments	127
Date	February 17, 2014 8:04 AM UTC (12 years ago)
Subreddit	Posted in /r/TheRedPill
Original Link	https://old.reddit.com/r/TheRedPill/comments/1y4qjv/dont_have_shared_bank_accounts/
Archive Link	https://theredarchive.com/r/TheRedPill/dont-have-shared-bank-accounts.231182 https://theredarchive.com/post/231182

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