"I just wanted to share my story here in Reddit because I kinda kept this story to myself and if I tell this to my friends, they probably wouldn't believe me anyway. But I just wanted to tell someone who's having the same problem that I had before. It's kind of a long story so don't read it if you don't wanna read long stories. I needed to tell a back story first so it's easy to understand what I'm going to tell.
So, I'm from Winnipeg. So here's how it all started. I ran away from my parents with only $2500 on TFSA and $800 on my Chequing account Also like ($1000 worth of bitcoins I think??? or like a year later I don't remember the timeline anymore) when I was 18, 5 years ago. Life was more or less great. I was working 30-38 hours a week at Walmart with barely above minimum wage salary. For some reason, I still managed to save money with low salary, renting a room and owning a car and paying all my bills at the same tome. I even brought myself to college and got a Legal Assistant Degree while still working after school and weekends to pay my bills. But, after my internship. The place I did my internship didn't want to take me because I kinda fell asleep in the court room on the hearing beside the judge (Cos I was tired from working and going to school every time). It kinda got hard for me to get a job in that field cos I didn't have any work experience in that field, but I didn't want to do internship cos I didn't want to work for free.
Around 19-20 years of age, I just decided to find any job to make more money. I got into a production company as a general labourer. Working two jobs and with lots of money. I just didn't know what to do with all that money. It was so easy for me to make money that I thought I could just outspend what I wanted to spend my money on. So, I just started to spend my money playing in Casinos. Coincidentally, 1 month after I was working two jobs. I won $1250 on a $50 sidebet on Pai Gow Poker and then won another $2500 on $50 side bet the week after. That's when I started to ruin my finances. I would go into Casinos like almost every week. I was making like $1200 biweekly after taxes and would spend all my salary, go through all my savings, borrow from friends, and maxing out my credit cards. Hell, I even started talking to my parents again just to borrow money from them so I can just gamble more when I spend all my salary from gambling.
I even started working 3 jobs. Working 60-70 hours but I would spend all that money from gambling. Sometimes, my gas would almost run out or I wouldn't even eat sometimes cos I already gambled all my money in Casino. So basically I was gambling for a 2-4 years. I lost like around $40k in total. I was even paying more on NSFs, Credit card interest than necessities sometimes cos I'd actually go to the casinos right after I get my paycheques. I was always stressed that time. I wouldn't know what to do. Couldn't sleep properly at night sometimes, being paranoid, thinking how can I pay my debts, when to eat next time, and all other things. Tough times.
Then, Covid happened last year. I quit on my full time job like a month before covid got serious (bad timing I know) because I was always late and I got laid off at my part time job because of lack of customers due to Covid Scare. Luckily, the Casinos closed down too. Then, I got a job at a pork processing company as a SliceMachine Operator. So, I started to save a lot of money which allowed me to start paying off my credit card debts , student loans, late payments, debts to friends.
Unfortunately, Casinos opened again for like almost a month and I gambled and lost around $3000 which like my savings at the time. Thankfully, they closed down again. But now, most of my debts are paid off except for like a couple hundreds in Credit card, student loans, and car loan which are low interest so I'm not in a rush to pay them anymore.
Now, I've learned my lesson and I started investing my saved money and trying to be financially responsible once again. To be honest, If I can take anything back from the past. I wouldn't even want to get the money that I've lost in the Casinos. I would just want to get back the time when I was at (19-22) where I could've use those time to spend it with my friends and/or travel and vacations. Instead of wasting my time chasing my losses."
P.S. sorry, I'm new in reddit. My first post actually, don't know how to format these things properly lol

I've been seeing a lot of posts where people are upset or complaining that they didn't get anything after spending "x" amount of money.
I just want to put my two cents in there since this is how I look at the game. Before spending any money on primogems, consider these things:

"If I get this character with $x, is it even worth $x?"

You're essentially paying to play with a character. Except in this case, paying for a chance to play with that character. What about the people who have spent thousands on this game? After getting Diluc or Mona for $3,000, was it worth it?
Think of all the things you could buy with that money. A Nintendo Switch costs $300. A game costs up to $60, and you know what you're getting. Rent money is $1,000-$3,000. The list goes on.

You're never guaranteed anything.

The ONLY exception to this is pity rolls. The maximum you'd need to spend is 28,800 primogems (around $400+) to guarantee getting the featured character on the banner. This is assuming that you didn't get any 5-stars before hitting the pity the first time, your first pity wasn't the featured character, and you hit the pity a second time to guarantee them.
Is any single character worth $400?
Other than the featured character, it can be REALLY difficult to pull any other character. You want Diluc? If you roll on the featured banner, its 50% chance you'll get the featured character. That means 50% chance you'll get a different 5-star. Since there are five 5-stars at this moment (not counting the featured), you have a 1/10 chance of pulling Diluc when you get a 5-star from this banner. On top of that, it's a 0.6% chance that you'll even pull a 5-star to begin with. As for the standard banner? The chance is even smaller with all the weapons thrown in.
To those complaining that they spent $100, $500, $1000 and didn't get what they wanted, you were never guaranteed it to begin with. It's all RNG, you aren't owed anything because you spent money on the game.

There will always be a new character that you'll want.

So you spent $400 on getting Venti. You needed him, he's your favorite character right? Of course you had to spend for him, he's the best character you've ever seen and you couldn't enjoy this game without him.
A few months later, a new character is released and you're in awe. Their skills...their looks....their element...you NEED them.
Well, that's another $400 you'd have to shill out to guarantee them. What's that? You only want to use them if you have their first constellation? Well better get that credit card out again, looks like you'll need to pull some dupes.
This is a never-ending cycle. I've run into this feeling countless times in video games. The new shiny thing will always be tempting you.
Not to mention power creep. New characters are often made to be better than older ones. As the game progresses, people who don't have newer characters are often at a disadvantage (mainly with DPS). In a gacha game like Genshin, it would be very expensive to keep up with this if power creep occurs within this game in the future. It's best to make the most of what you have.

Gacha = Gambling

When you go to a casino, do you walk in expecting to win millions? The odds are never in your favor when gambling. Rates are low for a reason. If everyone could spend $50 and get the exact characters they wanted every time, Miyoho wouldn't be making as much money as they are.
Gacha games have always been about gambling for characters. As stated previously, you're neverarely guaranteed anything, and by the time you've gotten what you wanted (unless extremely lucky), the company has already gotten what they wanted.

Don't be blinded by sunk-cost.

Sunk-cost is the idea that you've already put so much into something, and it'll go to waste unless you continue putting resources into it to get it. Do not be blinded by this when doing gachas.
Say you spent $100 and didn't get Qiqi. You've already put so much into the game, and not getting her would mean your money went to waste right? What if it would take another $1,000 to get her. Would that be worth it? It's best to cut your losses and walk away. Thinking about the sunk cost of something is what gives many people difficulty walking away, and causes them to over-spend.

Your party has limited space.

Yes, I know abyss is the exception. But overall the majority of the game only allows 4 characters at a time. You can't play with them all. It feels real bad to put a character you spent a lot of money on aside because they don't fit your current comp anymore.
-------
This comes from someone who is largely free-to-play in games like this. The only gacha game I've ever spent money on was Love Live a few years ago. I spent $125 and never got a single ultra-rare with my pulls. From that I realized what I was doing. Even if I could afford putting $30 per 10-pull, was the card I was going to get really worth that? No.
I learned from that experience and see gacha games for what they are.

Glorified gambling.

PS: If you are aware of all this and still want to spend $$/disposable income on primogems, by all means go ahead. But for many people it's easy to lose sight of what they're really paying for. I hope this is helpful in some way.
Feel free to disagree with any of this, but this is my perspective on the game and I get really sad seeing so many posts on the subreddit about how depressed people are after spending and not getting anything, and feeling entitled to it.
TL;DR: It's easy to sink lots of money into this game if you don't recognize you're gambling and never guaranteed anything. This is a warning post, not a criticism of anyone.
​
EDIT: As reddit user u/zapzya summarized: "...not everyone actually has the financial stability to invest in such a product, yet will do so anyway because they are not particularly knowledgeable in gambling mechanics or because shady tactics like the currency change ($$ genesis crystals primogems fates) actually work."

First post...be kind! This happened way back in the dark ages, 1986. I was 21 at the time and working for a gas station that was associated with a certain grocery store chain in Washington state. It was owned by a company not affiliated with said chain, but had locations at nearly every one.
As this was long before the days of debit cards, this was a cash only gas station. We didn’t even take credit cards. Customers would pull up, pump their gas and then come to my window to pay. We also sold cigarettes. No drinks, no snacks...customers couldn’t even get into my booth. I had been working there about a year when the company announced it was closing the location. My manager and I were offered positions at another location upstate and we both accepted. We moved our respective families and started our new jobs. As new hires (ugh).
This station was incredible busy. We did more business in 8 hrs than my old location would do in a week. This location also had a different set up: here you would pull into the station from a single entrance, pump your gas, and then drive forward to a single exit where the “Pay Here” booth was located. There were always 2 cashiers on duty. Each cashier had a cash drawer.
One thing I should note, there were also no computers. So closing the drawer down between shifts was timing consuming and tedious. We had to manually count the cigarettes remaining, and count the cash drawers. We would fill out an end of shift report listing the starting balances and the ending balances. We also had to list the gallons sold from each pump. At the end of the shift the total of gallons sold and the total cigarettes sold should equal the cash balance. It is important to note here that not once in the year I had worked for the previous location had I been off by more than 10 cents.
The following morning after my first shift I was informed by the manager that I was short $50. Impossible I said, I balanced out yesterday. He said that I must have stolen that money after I had completed the paperwork. I just looked at him and said, no I didn’t. He gave me a verbal warning and said if it happened again I would be fired and the stolen money would be deducted from my paycheck this week.
In the 5 days that followed I realized quickly the manager was up to something. My old manager who was just another worker now, was also accused of stealing. As was one other new employee. I can’t vouch for the other employee but I’m pretty sure she did nothing wrong. The employees that had been there awhile were never accused of anything. I did some checking and found out this manager was relatively new (had only been there about 6 months) and the other cashiers had been here before him. Only new cashiers were being accused of stealing. And that location had been having “stealing problems” for about 6 months and the turnover was high with the new employees.
I came to work at 6am on a Monday only to be told I was being fired. For cause. The manager accused me of taking $500 out of my drawer the previous Friday. He said he only discovered it this morning (even though he had worked Sat and Sun). I said ok and left. I was pretty angry and instead of going home, I parked in the grocery store parking lot and proceed to settle in to watch the gas station. I knew that at 9am sharp, he would take the cash in the safe and make the weekend deposit. At 9am he left the gas station and headed to the bank. But instead of walking into the bank, he walked into the Indian “casino” next door. It’s not really a casino like we think of today, but more of a betting parlor for the races. It did have slot machines, but no card tables.
I think “Well, this is interesting”.
He comes out of the casino at exactly 10 am, walks next door to the bank, does his business and then heads back to the gas station. I head home with a plan.
Every morning I follow him from the gas station to the casino. I take a picture of him leaving, and one of him arriving at the bank and walking into the casino. I take pictures of him coming out and then heading to the bank. I do this for 5 days straight. He even went on Saturday. On day 3 my old manager was fired for “stealing” $150.
I get the film developed (no digital camera in the dark ages) note the times and dates on the back of each one. Then I call the main office of the gas company. It’s after 5 but I’m hoping someone is there. And there is. I speak to a woman and explain my situation and she says she knows exactly who I should speak to and transfers me. By some grace of God, she has transferred me to none other than the President/CEO of the company!
I tell him my story and tell him I did NOT steal from his company and could prove who actually did. He took down my information and said he would be in touch. I’m thinking to myself “yeah right”. The next morning I went to the station to perform my usual observation of the manager. At 9am he leaves for the “bank”. At 10 am he comes out. At that moment 2 stern looking gentlemen approach him. One pulls out his wallet and shows him something. The other one is talking. The manager goes pale and takes a step back. Next thing I know he is being escorted to a car I hadn’t noticed and they drive off. I lose them at a traffic signal so I head back to the station. They all show back up about 5 min later, and a few minutes after that a police cruiser pulls in. The officer talks to the stern gentleman and proceeds to place the manager in handcuffs. The other man says nothing but is glaring daggers at the manager.
The President called me later that after noon and informed me that the manager had been arrested for embezzlement (turns out that in 6 months he had managed to steal about $5k). He would take the store cash into the casino and gamble with it; if he won, he would make the normal bank deposit. If he lost, he would make the deposit and note in his records that we had been short the previous day. The CEO had already been focusing on that location because of the stealing and high turnover rate, but my information helped them figure out what exactly had been going on.
I was thanked and sent a substantial check as a reward. My old manager was offered the manager’s job and I was offered my old job back. I declined as I had already found another job that I liked more and paid better. The gambling manager was sentenced to 1 year in jail and ordered to attend counseling for his gambling addiction. His wife divorced him and took their 3 children to California. His house was foreclosed on and he ended up in a homeless shelter.
Don’t accuse me of stealing. I will get revenge.
** UPDATE**
Thank you for the likes and awards!
Update 2: this was my first post and I really didn’t expect all the awards. Thank you!

This is gonna be a really long, rambling post about gacha, gambling, addiction, psychology and ethics. If you want the TL;DR, here it is: Joey and Garnt are at the very least irresponsible influencers, and at the very worst they might have a serious addiction that stems from a low dopamine life-style.
We all most likely watched the episode and know what happened and what was talked by who, but for further context, if you are unaware of anything, even after the memes, on the last episode of Trash Taste Podcast, specifically in the last 40 minutes of it, the Boys discussed (and argued) about the gacha game scene and gambling addiction. You can check it out on the sticky post on the top of the subreddit front page.
To cut it short, Connor argued that gacha games are just as if not more dangerous than actual gambling, specifically for a few reasons. First, it is a game of no return. In real life gambling, you can (fleetingly) get real money back from it, and even make a considerable profit. Gacha games simulate the act of gambling while offering no significant reward or value other than a measle amount of dopamine and a cute character to play with. Secondly, the game is marketed towards older kids, teenagers and young adults on an age range of 12-25 years old, an age group where most individuals are either not mature enough to manage their money safely or even financially independent at all, with most people in this range not even being active members of society yet. Furthermore, the gacha-gambling model is largely unregulated and unsupervised by authority figures, be it responsible adults, laws or any other regulating institution.
To this, Garnt (largely) and Joey (in a lesser but still significant way) responded that, while they agree no one should be able or willing to spend such large amounts in these games, they do not pose significant harm to most people, and even further, can present justifiable value enough to be acceptable in their current forms, with minor changes. At one point, Joey expressed the idea that if these games made it difficult for him to spend money, he would mostly just not play them at all rather than go free-to-play. Garnt attempted to defend the idea that spending on these games was not necessary and going the F2P route was not only possible, but easy. He himself, however, admitted to that not being the case with him.
This is the thick and short of it. Now let me get into the main argument this post is attempting to make.
Connor's position along the entire discussion was entirely and utterly reasonable, and not only that, but even after being soft-gaslighted into being less harsh on his stance, he still was the only one willing to take the problem seriously at all.
Garnt and Joey, kn the other hand, began the discussion with an ironic and memey tone, not taking it at all seriously. When Connor's stance didn't change and his points began hitting a little too close to home, that's when they got defensive of their point and tried to appeal to various fallacious arguments and unbelievable takes. Most notably, Garnt defended that "If you have a problem with gambling or if you have poor self-control, you just should not be playing Gacha Games", which beyond being obvious, is a bonkers thing to say. It would be akin to saying "if you feel depressed or suicidal often, you should just ask for help and not kill yourself" or "if you have a drug problem, maybe don't go buy drugs". It is a statement that hides behind it's obvious correctness to take away attention from the fact that this adds nothing of value at all to the discussion,nor does it make for a suitable defense of the system that gacha ganes operate in.
The first big problem with this entire thing is that the three of them, both in the podcast and with their individual channels, have a great influencing power. Having your opinion, no matter who you are, broadcast to over a few hundred thousand people world-wide is bound to influence or resonate with some of the audience. When the person in question is a respected figure, speaking to an audience of admirers or fans, most of which at a young age, and within a subject matter of interest to the audience, the influence rate will grow even bigger. In this midst, there is statistically no way at least a handful of people didn't watch this episode and felt like they had their actions justified. Add to this that the gacha community at large is either aware but indifferent to the similarities it has to gambling, or straight up defensive of the entire model, and you have a pretty dangerous mixture of things here.
The second issue I see and hope to convey on this matter is that both Garnt and Joey seem unaware of just how scummy and messed up the tactics behind gacha games are. It's not just rate manipulation and constant advertising. The entire development process is centered around creating the perfect space for you to spend copious amounts of money without feeling that you really spent them. It goes so much deeper than just making cute girls to sell you. From the game page on the app store you get it from to the main menu, to the game design, to the in-game systems, to the rates, to the promotions, to the update cycle, to the end game, to the daily challenges, EVERY LITTLE ASPECT of it is engineered to rewire your bain into believing that it's not that bad to spend, and having the desire to do so more often than you reasonably would.
This is a very important one, amd Connor briefly touched on it in his rant. Cassinos, actual gambling places, build and thought to make you spend and lose, are like a glass door compared to the five inch lead wall that is the gacha strategy. They show you the rates at all times. They offer you the option to set yourself a limit. They make you aware that you are spending money, they cap the age at a minimum of 21, they have a lot of systems in place to control bad spenders. Of course, most of those came from law and regulations, but even before that, back in the 18th amd 19th centuries, no normal adult would advocate or defend that 12 to 18 year olds should be able to gamble real money into pieces of paper or cardboard cutouts. So imagine thinking, for even a moment, that what gacha games do is even close to okay. It is not, by any measure, morally, ethically or lawfully, okay.
But it gets worse. Way worse. Here is where I began actually worrying about the boys, in particular Joey and Garnt, the latter most of all.
They seem to actually believe that the above exposed is somehow justifiable based on little doses of dopamine, memories and the abstract idea of "the experience" you get. They compare spending ONE HUNDRED DOLLARS on a game to get TWO DIMENSIONAL IMAGINARY GIRLS to a night out with friends where you spend a hundred dollars in food or drinks.
What the actual f*ck.
This is not just bad. It's really, really bad. It's unreasonably and unbelievably absurd. It nearly collapses the entire concept of reality from just how bad a take this is.
No. No, no, no. NO. In no way, in no conceivable theoretical way, one of those things is comparable to the other. Never. This is the type of thing that depressed people tell themselves to justify self destructive behavior. Spending copious amounts of disposable income into games just to get "a daily dose lf dopamine" going is insane. Just for reference, you can get dopamine for free by doing any of the following:
Exercising
Finishing a task-list
Cleaning your room
Working on a passion project
Playing any sport, specially with friends
Going for a walk with you pet
Having a conversation with a friend or significant other
Having a good meal
Waking up from a good nap
Watching a fun movie
Traveling
Hiking
Riding a bike
Radical sports
Reading a good book
Seeing a long-time relative or friend you missed for a long time
Getting a hug
Having sex
Sleeping cuddled with you SO
Holding hands
Kissing
Watching the sun set/rise
Going to the beach
Camping
Playing an actual good videogame that isn't f*cking Genshin or FGO
This is not an exhaustive list. It's literally just things I thought off the top of my head while writing this. Some of those activities require some money to do, and some are impossible during the pandemic. But most of them are free/cheap and easy to do at home or with little to no contact with anyone.
If getting a good pull in a lootbox virtual casino is the best way you can think of to get any dopamine release, or if that release is so significant to you as to justify spending more money than some people make in a week, then I'm sorry, but you have a serious problem. I mean it. I know the Boys can do most or all of those things listed up there and much more. I know for a fact they are not in a situation of loneliness, vulnerability or isolation, even in the current world situation. So why is it that Garnt thinks gambling is a good solution for boredom in the quarentine? Or why did Joey insinuate that making it harder for him to spend money would just make him drop the game?
And if these two, that as I said are in a very privileged spot of having easy access to healthy ways to produce dopamine and conquer isolation, are having this kind of relationship with these games, what's to say of people around the world, including many of their listeners/viewers, who either live alone and/or have no perspective of a successful career with easy access to basically limitless disposable income like they do? What's to say of the teenagers who spend all night up playing games, watching anime, jerking off and stealing their parents' credit card to buy pulls? What's to say of the depressed university students who have a shitload of debt thrown at them and live an isolated, virtual life right now? What about them?
Joey and Garnt might not have any problem controlling themselves, or have enough money to waste such that a thousand dollars into gachas doesn't feel unreasonable, no matter how actually unreasonable it is. But they are either ignorant of the actual problem, or (and I sure hope I'm completely off on this one) completely unemphatic to their struggles. Because "Just don't play" is not a thing someone with empathy for the gambling addicts would say. Connor was deadass on this one.
And that leads us to the final nail in this horrific, goldplated coffin. The memes.
Yes, the memes.
There are so many memes. Garnt mentioned that "no one memes on the guys going bankrupt" while doing just that for half an hour. The entire gacha culture is basically a serious sociological and psychological problem deep-rooted into the heart of the zoomer generation. And yet it wears a mask mad e of memes, that hides the actual problem under a nearly impenetrable layer of irony, self-pity and depressive jokes. But the subject is not that funny under the magnified lens of a closer look.
The easygoing demeanor with which gacha addicts and casual underaged gamblers treat the entire thing is so light on the mood, so soft on the eyes, that you may just forget that those people might be ruining their lives. It's not a joke. It should not be treated like one. The meme culture around gacha fames has created more gambling addicts among 15 and 16 year olds than any illegal casino would ever dream of. These young people are just laughing away ridiculous sums of money for a teenager to spend, and feeling none of it until it is too late to go back and give up.
I am not trying to guilty trip any of the Boyys here, nor am I accusing them of being apologetic of underage gambling. I'm just trying to put this entire thing under a serious light. Because it needs someone to do so. This post comes from a place of worry and love, not one of disrespect or accusations. I simply want the Boys to look at this in a responsible way.
I might be talking to the walls here. I might really be just shouting in the vacuum. But if I can try to make my voice be listened to, I will. Because I must. If you read all the way down to here, I have two more things to say.
One is: please, do not let the monetization model these games operate in get to you. If you've spent any amount of money on them and feel tempted to continue, I insist you don't. If you have only ever played them without spending, and are still having fun, you're free to do so, but tread carefully.
And the other is: gacha mechanics can ruin much more beyond your financial wisdom. They are actively harmful to the games industry as a whole. Instead of making good games out of passion, these developers are being led to create mediocre games out of greed from the higher ups. If gou care about gaming at all, or if you just give a shit about an industry many people love, I request that you understand why gacha games are a bad sign, and that you spread that awareness, if you can. This is a really important subject to me and I think ut should be to other gamers as well.
Thank you for reading. Have a great day. Save your money.
P.S.: Garnt, Joey and Connor. If you guys read this, I love you and what you do. I listen to this podcast almost religiously, and I really enjoy all of it. Please, take care of yourselves and have a great 2021. Peace. (This is a shot in the dark, the chances of them reading this are so low I feel almost stupid. But hey, I tried huh?)

So I bought a car for my mom 2 years ago using a loan with my bank. The vehicle is registered under my name only. I am on her insurance policy. She is the primary holder. She got into an accident recently and took the car to the mechanic for repairs. She received the insurance claim check and chose to spend the money on something else instead of getting my car out. I get a call a month later from the bank telling me about the situation (I was unaware of what was going on and assumed everything was being handled). They tell me that the mechanic is processing a lien on my car and its going to get repossessed if I dont work it out with the mechanic. The mechanic is asking for a total of 5,400 which includes 1950 in storage fees for 30 days. I only have about a fifth of that. Shes only willing to take the 3 grand then the rest in payments and she wants a decision by the 21st. I do not have 3 grand. I tried to apply for many loans and have been denied. Im wondering what my options are at this point. Do I let the bank repossess it? Is the car worth getting out? Will bankruptcy be my best option? I still owe 17,000 on the vehicle and I have over 6,000 in credit card debt that I've accumulated this year due to the first covid lockdown. I've heard of surrendering a vehicle but not sure how that would work and I would think I'd still have to pay the mechanic to do that.
I tried to keep this as short and straight to point as possible. If there's any questions I will gladly answer them. Any help is very much appreciated. I am 27 and made the wrong decision by trusting my mom and I dont want to make another bad decision. Thanks ahead of time.
EDIT: Here are some more details to clear up any confusion in my post.
•My mom has a gambling addiction and it has become worse. She's homeless now and spends all her time at the casino. I realize now that I'm an idiot for buying her a car when I was aware of her gambling habit, but at the time I was convinced that everything would be fine. She has been making payments on time but even if she couldn't make the payments, I would take care of it because I could afford it. That was my thought process at the time when I bought the car but it never occurred to me that she could pocket insurance money if an accident happened. She had me thinking everything was fine and she was gonna get the car from the mechanic but I had to find out the truth a month later from the bank.
•I dont know why I wasnt contacted by the mechanic or insurance. I dont know why it took a month for the bank to call.
•I spoke to the insurance company to ask why the check wasn't issued out to me or the mechanic and I was told that legally, since my moms the primary holder, she can request the check be sent to her under her name even though its only my name on the registration.
•The mechanic filed the lien about a week ago
•The car is worth 12 - 13k right now. The bank has the title.
• I am located in California

We only went to the casino last weekend to go watch the game at the casino’s sports bar because barely anyone was there and they had decent food. Well we tried a couple slots and split $60 and left with $640. We freaked out and left immediately! We put it in a jar at home to figure out what to do with it.
We went again yesterday with $70 in cash from the winnings and nothing else and left with $400 (after losing $200 on a machine and realized it was time to go). I was totally prepared to lose the $70 we brought in so I was still really happy with it!
I want to be careful since we went 3 DAYS later on a work night but I don’t see anything wrong with it currently as long as we’re setting boundaries and not getting an emotional attachment to our winnings. Not interested at all in credit cards or even using money I earned from work unless it’s $50 maybe once a month aside from the winnings. Figured some people may have had similar experiences and developed a problem. I like the casino so far I just want it to stay fun.
Edit: Thanks for the responses! I think it is worth noting that we did go to the casino for the first time 6 months back with $40 and lost it. We were in a different state than we are now financially and really shouldn't have went as we actually needed that $40. We still had lots of fun, laughed, and just went home to watch a movie.
I appreciate you all bringing me down to reality a bit more. I'm taking the comments seriously. I don't think I'm addicted but definitely enjoyed the 'high' a bit too much so I need to check myself. I've met people with some serious gambling issues who spend their whole paycheck and take out loans for the casino. In any case, thanks for the advice!

Wow...just writing that title it’s hard to fathom. As a kid I valued every penny. I saved like crazy. I don’t know when or how I lost the ability to value a dollar. I think the digitalization of currency (credit cards, debit cards, etc) has made it so easy to think of these deposits and transactions as almost like play money...
I couldn’t imagine whipping out $1,000+ in cold hard cash at a casino and throwing it on some stupid ass sports contest. But two clicks on my phone? I’m in. It’s unbelievably addicting.
I know I’m super compulsive and should’ve never started. Back in March I broke my foot and with COVID I was bored out of my mind. Sports and working out have always been my sanctuary. So without those, no sports going on, and without the ability to leave the house somehow I found my way back to horse betting.
Like everyone on here probably knows it started small. $25, $50, maybe $100 deposits. I hit a huge win early and made $5K...what a disaster. I was hooked. Those winnings were gone within a week. Then all the bad feelings....(“you were up $5K how could you blow that”). Then came chasing the lost winnings. That soon turned into $5K down.
I was prepared to make a final bet to try and get back to breakeven (yeah right...I know) on a horse at 30-1 odds. I had done my handicapping and really like the odds. But, I thought I’d finally do the responsible thing and not make one more deposit.
Well, I didn’t. Then the horse won. I couldn’t stop thinking about the what if’s..
I know I 99% blow it all anyways but it really stuck with me. I finally confessed to my wife that I was down $5K and tried to get right. I did great for a while. 2-3 months of not betting.
Then IL legalized sports betting. I thought oh I’ll just take advantage of all the free deposit offers and free bets. We all know how that went. $5K down to $10K, then $20K, then $30K, then $50K. Before I could even catch my breath I’m down $100K.
Fortunately I have a high paying job but this is probably 1/3 of my life savings. I’ve been gambling at work, hiding it at home. I have kids and could’ve fully funded one of their college tuitions...I hate myself and I’ve even contemplated ending it all but I know that would be the ultimate selfish decision.
I just managed to lose another $1000 right before I wrote this. I’ve finally had enough. It’s ruining my life. I know I need help but don’t know where to go. I quit drinking 6 years ago using Rational Recovery and haven’t even had a thought in the last two years about taking a drink but for whatever reason this seems so much harder.
Maybe it’s not, maybe I’m just not ready to quit...my credit card balances and bank accounts tell a different story. It took a lot of tries before I finally quit drinking for good...
I’m not sure what I’m hoping to find here. Maybe some support, maybe some companionship, maybe just somewhere I can vent to people who’ve also been through it. I’ve had to hide the losses once they got over $10K from my wife. If I told her I’m pretty sure she’d divorce me and take the kids....
That’s all for now. Hope everyone is having more success quitting than me right now.

This chapter was a labour of love, heists are hard. Big thanks to u/eruwenn for helping tidy up this bag of snakes.
First / Prev / Next
 
 
“Ranjaz K’Lua, you thieving scumbag!” the Kah’Ree in the purple suit exclaimed loudly as he spotted them across the busy room. “As I live and skral, I never thought you would have the Jolos show your face here again!”
Two J’Rami in suits detached themselves from the lobby wall, walking towards the Kittran and his friends. “Alfor, my old friend!” Ranjaz smiled broadly. “No need for the welcoming party, I’ve got your credits” —he gestured to Cygna— “and a sweetener, for all the trouble I caused last time.”
Alfor paused, lecherous eyes assessing the Fae’Dan. “You know I have a thing for purple.” He chuckled at his own joke and waved the guards back to their posts. “How about we have a drink, and discuss your forgiveness.” He pointed to Thor and Eruwenn. “Brought your own security, or are these Gal. Fed. goons? Everyone knows about your probation.”
The Kittran gave a broad grin. “I got a Tulseria-damned pardon, a new ship and a very lucrative opportunity.”
The Kah’Ree smiled. “How’d a thieving cat like you get a pardon?” He gave Ranjaz an appraising look up and down. “Oh? Now, let me guess, you need something from me and my brother?”
Ranjaz fired his finger guns. “You were always the smart one Alfor, that’s why you run the casino floor.” The Kittran stepped in close. “The item, do you still have it?”
Alfor tilted his head back and away from Ranjaz. “Your little guarantee?” He looked back down at Ranjaz. “We have it somewhere safe. Had some unusual people come by after you got caught. Asked a lot of questions. Made a lot of threats.” His face contorted in anger. “We got audited thanks to you.”
The Kittran smiled. “If only they knew you better, they could have simply paid you for the information.”
“We give nothing for free.” The Kah’Ree gave a sinister smile. “House rule.”
Ranjaz walked forward to put his his arm on Alfor’s back. “Let’s go see your brother. Have a few drinks, maybe gamble a little, and discuss our future riches.”
 
 
Ripley stood in the shadows of the staff shuttle bay, watching as the numerous employees of assorted races came and went. Loud laughter caught her attention, and a very strangely dressed Niham broke away from a small group and walked towards her. Ripley tried to maintain her low profile as the scantily clad female strutted towards her in long black boots with pointed heels that clacked loudly with every step.
Deliberately avoiding eye contact the Awakened tried to will herself into the wall but it was too late and a voice called out to her. “Hey Darling! You must be the one I’m looking for.”
Ripley shook her head. The Kittran had said the contact was an Ashi pirate captain, a master gambler and expert in procuring the unusual. “I don’t-”
“Listen cutie,” she interrupted, “you’re the one lurking in dark corners drawing attention to yourself. I’ve got your security card. You tell that fluffy little stud he owes me. And more than a bottle of Fae’Dan wine and a good time, if you know what I mean.” She held up the card between her fingers, just a little out of Ripley’s reach.
The Awakened considered the phrase ‘fluffy little stud’ and decided that, despite her hopes, this was probably her contact. “You’re Captain Whiplash?”
The Ashi laughed genuinely, the jiggling of tightly squeezed breasts bursting at shiny black restraints making Ripley nervous. “Oh, Darling! Only my little pets call me that! You may call me Sho’Na.”
Ripley was momentarily confused. “So, you aren’t a pirate captain?”
“I’m anything they pay me to be.” She smiled at the silver-haired woman's naivety. “You really are new to this.”
Ripley, caught off guard, simply nodded, then replied, “I’m a quick learner.”
“Good for you, Darling.” Sho’Na handed over the card. “Just make sure you get paid up front, and don’t use your real name with clients. Ruins the mystique.”
Ripley was unsure of what was being said. Turning the card over in her hands she saw that the holo-image on the front was of a male Arkellian. “This isn’t me?”
“Honey, I was given half a cycle to get you a level three security card. Just be glad it’s a biped.” Sho’Na looked Ripley up and down. “Our mutual acquaintance told me you were some sort of master of disguise who could even trick Selva Blaster.”
Ripley paused, then smiled. Her appearance had become such an integral part of her identity she had forgotten that it was entirely optional. “It won’t be a problem.” She looked at the card again. “Unless the owner comes looking for it.”
Sho’Na gave another bosom-trembling laugh that threatened to spill out at any moment. “Oh, don’t worry, he’s tied up at the moment.”
The Awakened considered the risk. “Hmmm, but for how long?”
The few strips of shiny black material that comprised Sho’Na’s revealing outfit strained under her amusement. “Don’t you worry, Darling. He paid for the whole night.”
 
 
Eruwenn had reassessed her opinion of Ranjaz many times since meeting him. The criminal. The loyal friend. The lazy trouble-maker. All were true, but now she was seeing something new. He sat opposite Toran, the brother of Alfor, in a game of dalcho she wished she could have taken part in, but was equally glad she did not.
At first she had thought the Kittran was outmatched, a few reckless mistakes costing him dearly as the Kah’Ree deftly selected his tiles. Toran was clearly a seasoned gambler, using a blend of the Remee Le’Bow Gambit and the Kowals’Kee Analysis she hadn’t seen before. It seemed to be dismantling Ranjaz’s tiles before he could even prepare his cards. A few fortunate dice rolls and he had taken a strong lead from the outset. The Kittran appeared desperate, playing any tile available to try and slow the defeat.
It had all been a ruse, she saw it; Ranjaz had saved his best tiles and carefully thrown hands to manipulate the cards. In just a few rounds he would be able to dominate the board and raise the stakes, recouping his losses and changing the course of the game entirely. She had encountered few players who could manipulate the game so deftly, using memory and layers of strategy to corner their opponent. It was magnificent.
Eruwenn couldn’t tear her eyes from the board as she stood beside Thor. The Awakened had shown no interest in the game, studiously watching the opposite door as Toran’s staff came in and out. When a waiter entered and began preparing drinks at the small private bar in the executive gambling room, Thor coughed. It was a strange thing for an Awakened to do, and Eruwenn finally looked up from the table. “Are you ok?”
Thor nodded. By the time he had looked towards her, she had returned her attention completely to the game. “You don’t seem concerned about your friend?” he asked.
The Anatidae watched as Ranjaz used a blind double feint, and the sheer audacity of such a move made her swallow hard. She didn’t look back to Thor, but mumbled a response. “I’m very confident in her abilities.”
The waiter was methodically placing drinks by each of the players, but when they stood behind Ranjaz the Kittran surged to his feet, shouting, “Hey! No cheating Toran! Getting your waiter to look over my shoulder? That’s a dirty move I’d expect from your brother!”
Thor had reacted faster than Eruwenn, pinning the arms of the Arkellian waiter in a vice-like bear hug. Toran slowly stood. He was big, heavily muscled, and the veins on his neck bulged as his anger rose. “Don’t accuse me in my own place.” He cracked his knuckles and glowered down at Ranjaz. “I run a straight game.”
Fearlessly the Kittran walked right up to the Kah’Ree and stared up into his face from waist height. “Don’t try and intimidate me, you son of a Vogel.” Ranjaz puffed out his chest and began pushing the burly casino owner. “Nobody cheats me!”
The blow caught Ranjaz across the cheek and sent him sprawling across the room. Eruwenn winced at the impact, but maintained her composure. Toran laughed. “Watch your tongue or I’ll add it to my collection.” He walked round the table and kicked Ranjaz in the stomach, glaring at Thor and Eruwenn, daring them to act. “Know your place trash. You’re at this table because you put credits up front. You are a dishonest thief, begging for scraps, and cosying up to me any my brother to get your little trinket back.” He returned to his seat. “Why would I need to cheat against the likes of you?”
Ranjaz stood, brushing himself off. “Fine, fine.” He waved a hand and Thor dropped the Arkellian. Ranjaz tapped him on the chest. “My mistake.” He sat down and picked up his cards once more. “You’re right Toran, you run a clean game. I’m just a sore loser.” He shuffled the order of the tiles that were still face down on the table. “To show my sincerity, how about we double the buy for the rest of the game?”
Toran snorted. “Double?” He looked at the Kittran, scrutinising his opponent. The game was already over; he had control of the board and his tiles occupied the three prime positions. Was the thief trying to buy his favour, he wondered? How much was the trinket he wanted truly worth? He decided it was worth testing. “Triple, and I’ll forget you dared touch me.”
The Kittran swallowed hard, his ears flat to his head. Toran momentarily worried he’d pushed for too much but a decision seemed to be reached. “Fine. Triple.” The look of defeat was delicious to the Kah’Ree.
 
 
Cygna had done her part and lured Alfor to a private room away from his security. She had danced, skipped and side-stepped his groping hands so far, maintaining a playfulness that ensured he complied. This sort of thing was not new to her; she had spent time undercover in the past. Fortunately, there had been little call for it since she had joined forces with Eruwenn.
Alfor’s eyes scanned her body once more. “The Kittran has very good taste.” He licked his lips, a small amount of drool escaping and running down his chin. He wiped it on his sleeve. “Now, I brought you somewhere quiet. How about you show me how sweet you can be?”
The Fae’Dan smiled coyly and continued her dancing just out of reach, glancing to the doorway where Alfor’s two guards stood watching her. “With an audience?” She raised her eyebrows expectantly.
With a sly grin he waved the guards out of the room. “Now come here and let me satisfy you like only a Kah’Ree can.” His eyes wandered over her body once more.
Cygna smiled, her own eyes moving from the Kah’Ree’s hands to his shoulders, then up towards his neck. An interesting fact about the Kah’Ree was the thick blood vessels on the side of their neck. They often bulged when a Kah’Ree was angry or excited, like Alfor’s were as he leered at her. She danced closer. Another interesting fact was that their brains were not as efficient as those of other species, hence the requirement for additional blood flow; more oxygen per limited thought.
He leaned forward, his eyes locked to her swaying hips. Cygna turned slowly, and his head tilted to appreciate her assets. The third, lesser known, fact about the Kah’Ree was that an interruption to the blood flow while they were in this excited state caused them to lose consciousness rapidly as their brain burned through the available oxygen. “My eyes are up here.” She smiled as he looked up at her with his head still tilted.
He sneered. “Who ca-”
The Fae’Dan struck the side of his neck with the edge of her hand, targeting the throbbing blood vessel with a powerful blow. The interruption to his brain's oxygen supply worked perfectly and he fell face forward onto the ground at her feet. She let out a sigh of relief and looked down at his unconscious body. “Thank you, that was particularly satisfying.”
She walked over to the door and peeked out, finding the guards standing either side. “He said to order us some drinks.” One of the guards nodded and immediately put his hand to his lapel communicator.
Back inside the room, Cygna used her foot to roll Alfor to his back and began searching his pockets. She came up empty. Her eyes caught a glimmer from his collar and she found a heavy gold chain, at the end of which was his security key. She removed it just as a knock came at the door. A deep voice from the other side called out. “Your drinks, boss.”
The Fae’Dan quickly messed up her hair. Using the back of her hand she smeared her lipstick sideways, and then pulled the strap of her dress down off her shoulder. She opened the door and, to her surprise, was faced with an Arkellian waiter. The bodyguards noted her dishevelled appearance and shared a smirk, and she said, “Oh, I wasn’t expec-”
The waiter pushed the trolley into the room. “Don’t keep the boss waiting, lady.” Before Cygna could reply they were inside and the door closed. “Relax, it’s me.”
Ripley’s voice sounded bizarre coming from the male Arkellian form, and Cygna’s eyes went wide in shock. Her sharp mind quickly adjusted to this new information. Of course the Awakened could change their physical appearance; she had just never seen it. They all seemed quite attached to their chosen human forms. “Neat trick.” She held out Alfor’s key. “Did you get the other one?”
Ripley nodded. “The Kittran played his part well. I didn’t see him take it, and didn’t feel it when he placed it in my pocket. Now that was a neat trick.”
The Fae’Dan smiled. “I think I’ll pass on that dalcho game.”
The Arkellian Ripley smiled. “Probably wise.” Turning, she slipped the key into her pocket and headed back out of the door.
 
 
Ripley entered the elevator to the owner's private offices on the top floor. Thanks to the distractions downstairs, the two large desks in the centre of the room were empty. She walked straight past them to the large leokas painting on the wall and swung it forward. Behind it was a Fae’Dan safe; she took out the two keys and a small homemade device the Kittran had given her.
Attaching the device to the bio-lock and standing before the safe, she elongated her arms to reach both key positions at once. There was more than one reason she was the one chosen for this task. The device beeped twice and small lights above each lock lit up. She simultaneously turned both keys, and there was a satisfying clunk.
She raised an eyebrow. The device had worked. The heavy safe door swung open and she began her search. Ranjaz had been very specific: while there was one item she had to get, she was to grab as much as possible to obscure their true target.
Quickly grabbing as much as she could she retrieved the keys and ran back across the room towards the elevator.
 
 
Cygna hauled Alfor back onto the seat, putting him in a more natural position and messing up his hair. She looked away as she began unbuttoning his clothes, pulling his trousers around his ankles and opening his shirt up to bare his chest. From a secret pocket inside her dress she pulled out a lace thong, setting it on his head like a bandana. She also had a small box which she opened, inside of which was a replica mouth with lipstick that matched her own.
Cygna carefully applied kiss marks all over his exposed skin before popping the fake lips back into the secret pocket. She took the Fae’Dan wine and partially filled two glasses, making sure to take a long drink from one and leave more lipstick marks. The rest of the wine was poured into the ice bucket.
She heard the sound of voices outside the door. The guards were arguing with someone, refusing them entry, but when the name Toran was mentioned it was Ripley who entered, still in uniform but now looking much like her usual self. She smirked at the Kah’Ree in his derobed state. “I can see you had fun.”
The Fae’Dan chuckled. “That’s the idea.” She looked at the Awakened in her true form. “You look… better.”
Ripley cocked her head. “It would be strange if the waiter came back to deliver a message.” She tossed the necklace key to Cygna, who replaced it on Alfor’s neck.
Reclining on the sofa and picking up her glass, Cygna took another long drink. “Get the other one back to Ranjaz quickly. This one won’t be napping much longer.”
The Awakened gave an almost Ranjaz-like grin. “You could always hit him again.” Before the Fae’Dan could reply she had ducked back out of the door. She caught the eye of one of the bodyguards and gave a head tilt back towards the room. “The boss is really enjoying himself!”
As the suited pair chuckled, the larger of the two got a message in his ear piece. “Hey, silver hair.” He grunted. “Boss has an important guest. Meet them in the foyer and bring them to the dalcho room.”
Ripley was relieved – she needed a reason to get into that room. “On my way.”
 
 
Toran was seething as he watched as the Kittran flipped his final tile. Why would he have waited so long to play the Wings of Tulseria tile? His stomach sank, and he couldn’t hold back his anger any longer. “Damn you!”
Ranjaz gave a full-fanged grin. “Looks like my luck turned at just the right moment.”
“Luck!” Toran’s tile snapped between his fingers. Why had he let the damned cat goad him into constantly increasing their bet? The cycle had started with him owing the brothers a million credits plus interest, and now the infuritating Kittran had won nearly forty times that. “Nobody is that lucky.”
“Woah!” Ranjaz held up his hands. “I would never cheat, well... certainly not a second time. After you caught me, I’d be a fool to try.”
“Hmm.” Toran looked at the two behind the Kittran. The big one would be a problem, but the Anatidae looked to be nothing special. “How about I give you back your little trinket and we call it even?”
“My trinket?” Ranjaz shook his head. “I had to convince you it was worth the million I owed. Why would you think I’d trade it for thirty eight million credits? I’ll pay what I owe, take my trinket and my winnings and leave.”
Toran folded his arms and looked across the dalcho board at Ranjaz. “And why would I let you do that?” The atmosphere in the room changed as the two security guards changed their stance. “Transfer the credits back to the house.”
Ranjaz dropped the grin, replacing it with a defiant glare. “What happened to you running a straight game?”
“The game was straight. You won, didn’t you?” He leaned forward, his eyes cold and hard. “You’re just in no position to collect.”
The Kittran was about to argue when the door behind Toran opened. He looked up as Ripley entered, and his eyes widened in shock. She wasn’t alone. “Toran, you bastard! You sold me out!”
“For ten million credits.” Toran stared hard at Ranjaz. “Care to make a better offer?”
Eruwenn’s eyes blazed with anger as the grey-suited Niham pulled up a seat and sat down beside Toran. “Now, now, you lied to me about having the item before. Don’t double cross me.” Sentinel Krast placed his hands together on the table, interlacing his fingers. “I’m not somebody who forgives easily.” He looked directly at Eruwenn. “Isn’t that right, former Councillor? A little far from your new Ambassador position, aren’t you?”
Ripley stood back against the wall. She had no idea who the newcomer was, but this most definitely was not the plan. The golden green Anatidae walked forward to stand behind Ranjaz. “Oh, I had a little vacation time saved up, and decided to spend it with my good friend here.” She placed a hand on the Kittrans shoulder. “And what brings a Sentinel here?”
Krast’s lips curled in what might approximate a smile. “I’m also acquainted with Mr K’Lua. In fact, we go back a very long way.” He turned to look directly at Ranjaz. “Now, return what is mine.”
Toran looked from Ranjaz to Krast. “Yours? You don’t look like the tiara wearing type.”
The Sentinel didn’t turn his head. “Ah, so you hid the data chip inside some shiny bauble. As inventive as ever, Mr K’Lua.” The Niham finally acknowledged Toran by looking at him. “Bring. It. Here.”
The Kah’Ree sucked air through his teeth. “Well, seems like we have something mighty important, and two very interested parties.” He stood and walked to his two security officers, who drew their weapons in unison. “Now then, I believe you” —he nodded to Krast— “offered ten million. How about it Ranjaz, old friend? What’s your counter offer?”
The Kittran had been sitting, silently seething at his double cross being double crossed. He looked at Krast. “Were you the one?”
Toran was surprised at being ignored, but before he could reply Krast answered, “The one?”
Ranjaz’s eyes narrowed, his ears alert, his tail swishing aggressively. “The one who took my friend!” he snarled as he felt Eruwenn’s hand holding him back gently.
Krast’s eyes glittered as he saw the impotent rage in his opponent’s eyes. “Ah, the poor deceased human?” He smiled his mannequin-esque smile. “And if I was?”
Toran snatched a pistol from one of his men and fired a blast at the ceiling. “Your quarrel can wait. Let’s settle our business first and you can kill each other after I’m paid.” He paused, then added, “but, not in my casino. Body disposal costs extra.”
Eruwenn’s hand gripped Ranjaz’s shoulder harder, and he braced himself. In one smooth move she both threw him backwards and to the right, and kicked the dalcho table up and forward into Krast's face. The Sentinel fell backwards as a blast from Toran struck the table, but Eruwenn was already on the move, sidestepping left and ducking forward into a cartwheel. Toran's gun had been following Ranjaz, but as her leg swept down it knocked the weapon from his grip.
Once she stabilized, her fist, already primed with momentum from the cartwheel, struck Toran below the ribs and knocked the wind from him. The guard, whose gun the Kah'Ree had been holding, lunged forward to grab Eruwenn but she simply deflected his hand, pairing his forward momentum with her rising elbow to swiftly render him unconscious.
The second guard had just begun to raise his weapon when a huge fist struck him in his chest, sending him careening backwards into the wall. Thor loomed over him, shaking his head as he retrieved the energy pistol. “Too slow.”
Ripley helped Ranjaz to his feet as Krast pushed the table off his chest. Toran was coughing and struggling to breathe as Ranjaz pressed the retrieved energy pistol to his forehead. “Double cross me?” He dragged the Kah’Ree forward. “I want to see the item, then I’ll pay what I owe.” The two of them awkwardly made their way back towards Krast, so Ranjaz could point the gun in his face. “Then we can talk about your body disposal fee.”
Krast stood, and his phony smile was gone. “You can’t kill me. The Sentinels will tear this place apart, hunt you down and kill you. You think I came alone? My ship is in orbit and waiting for my orders!”
Ranjaz grabbed him by the jacket, pulling him down to his level, and struck him in the face with the butt of the pistol. Thor cooly kept his stolen pistol pointed at Toran and the one conscious guard. By the third blow Krast’s face was bloody, his nose broken and he began to struggle against Ranjaz’s assault.
A muted boom caused everyone present to stop in their tracks. Alarms began to sound and Toran swore loudly. He pulled out his communicator, ignoring Thor’s pistol. “What the hell was that!” He held the device close as he listened. “My office?” He patted his pocket. Finding his key in place, he looked to Ranjaz and then Krast. “Seal the casino! And where is my brother?”
Ripley suddenly understood why the Kittran had told her to leave his device on the safe door. After a brief further moment of shock, which she kept from showing on her face, she realized that she had been carrying an explosive without being told. If they survived, Ranjaz was going to need to explain himself. Thoroughly.
Eruwenn, Thor and Ranjaz had backed away to the opposite side of the room, standing by the door. Krast stood alone, holding his profusely bleeding nose. The opposite door soon opened to reveal scrambling casino security, with Toran and his guard standing nearby.
The unconscious guard was carried out without comment, and the Kah’Ree turned to Ripley. “Why are you still here?” She nodded and slipped out of the door, leaving one less concern for the remaining three. “Alright, which one of your skrolg-licking bastards broke into my private safe?”
Krast spat blood onto the floor, pointing at Ranjaz. “He’s the thief. You and I had a deal.”
The Kittran smirked. “I’m a better thief than blowing up a Tulseria-damned safe. If I wanted to steal it, I would have done just that. I would not have announced my arrival and sat down to a game of dalcho.”
Toran looked between the two of them. “He’s got a point.” One of his men handed him a pistol, and he continued to talk a little distractedly into his communicator. “Well, check everywhere!”
Ranjaz stirred the pot. “He’s the bastard who double crossed me, why would he honour your deal?”
Eruwenn nodded. “A government agent can’t be seen working with criminals.”
Krast's face contorted in rage. “Don’t be a damned fool, Toran!” He pointed at Ranjaz. “This is clearly some convoluted distraction.”
Toran shook his head. “They had the upper hand. You were the one getting your face ruined.”
 
 
Cygna watched nervously as Alfor began to stir. Things were taking a lot longer than expected. Finally, her signal came; it was not as subtle as she had been led to believe. As soon as the explosion went off the two bodyguards quickly came into the room, glancing from Alfor’s sleeping body to her. She staggered forward, wine bottle in hand. “We need more drinkshh!”
The guard ignored her as he saw the condition of his boss. “Not again,” he groaned. “Toran will kill us for letting him get like this.”
The second guard stepped out into the corridor. “I’m not dressing him! Last time he tried to kiss me!”
Cygna paused, not having expected it to go this way. The first bodyguard walked out as well. “He pissed on my new shoes the time before that. I’m not moving him.”
Their communicators went off and their faces became more serious. Bodyguard two spoke first. “Damn it. Toran wants him.”
The first turned to look at the increasingly bewildered Cygna. “You!” He smiled. “You got him undressed. You can dress him.”
Cygna spotted Ripley running down the corridor towards them, causing her confusion to grow further. The Awakened shouted one word. “Sentinels!”
The Fae’Dan’s mind raced. The plan was clearly blown, and they had to get out. Fast. As the guards were now facing Ripley, she took the opportunity to kick one in the back of the knee. He fell forward, and as the second turned he was met with the upward swing of a wine bottle. The first guard discovered first-hand the shocking truth of how hard the knee of an Awakened could be, and both were unconscious by the time they hit the ground.
Cygna smiled at Ripley. "Thanks."
The Awakened gave a swift nod of acknowledgement. “A Sentinel turned up, so Ranjaz set off the diversion he promised. The other brother is busy trying to figure out whether it’s us or the Sentinels robbing him.”
Cygna took on board the new information quickly, knowing she needed to help the others. “I have an idea. Lie over there and look dead.” She ran back into the room, where Alfor was groaning and starting to move. She slipped the chain from his neck and dropped it into the ice bucket, where it sank out of sight below the dark Fae’Dan wine. She began to slowly shake him.
“Huh,” he grumbled, and slowly opened his eyes. “Wha.. what happened?”
Cygna clung to him tightly. “Oh thank goodness! I thought they killed you!”
“Killed?” Alfor’s head was pounding, his memory blurry. “Who-” He caught sight of his downed guards in the open doorway. “What the hell happened?” He began pulling at his clothes, and swiftly checked that his trousers were dry.
“While we were.. You know…” He nodded; he was buttoning up his clothes. He didn’t remember, but he knew. “Some scary men burst into the room and shot you! I was so scared.” She hugged him tight, pressing herself against him.
He put his arm around her. “What men? Be brave, and tell me what happened.”
She looked up at him, trying to make her eyes as big as possible, adding a lip tremble to really sell it. “I don’t know! They wore grey suits. And one of them took your necklace!”
“My necklace.” He clutched at his chest where it should have been. “Damn Sentinels! I told Toran we couldn't trust them!”
He stepped into the corridor, where Ripley lay on the ground with a terrible energy weapon burn on the side of her face. He pulled out his communicator. “Toran.” He instantly got hold of his brother. “I didn’t answer because I was knocked out. Damn Sentinels took my key, killed some of our guys.” He looked around. “Nobody important, just some waiter.” He finally pulled the underwear from his head. “I’ll go to the security room and look at the video.”
He ended the call and turned back to Cygna. “You stay here.”
She smiled. “Sorry, we can’t let you check the security footage.”
“Wha-”
Ripley struck him from behind and he crumpled to the ground, her fake burn melting from her face. The Awakened looked around, rechecking that all was clear. “I think that’s all we can do; we should get out of here. Come with me, my shuttle is in the staff bay.”
 
 
Toran closed his communicator and motioned to a guard. “Search him.”
Eruwenn wished she had some way to capture the look on Krast’s face when the remote detonator was pulled from his pocket. She'd have to hug the light-fingered Kittran later.
The Sentinel grit his teeth. “That’s not mine.”
“Sure, sure,” Toran agreed, while simultaneously shaking his head at the Sentinel. “Looks like you really didn’t come alone.”
Krast was furious, yelling, “I’m telling you-” He broke off when Ranjaz shot him in the leg, falling to the floor.
The Kah’Ree pointed his pistol at the Kittran. “Can’t let you kill a Sentinel in my casino, even if they did just rob me.”
Ranjaz was surprised the Kah’Ree had believed them so easily. “What about us?”
Toran sighed, lowering his weapon. “Take your winnings and get out. If you stole the thing once, I’m sure you can steal it again.”
Eruwenn and Thor both made to leave. Ranjaz paused, knowing he might not get another chance. “And him?”
The Kah’Ree looked at the Sentinel holding his wounded leg. “We’ll send him back to his ship. As much as I hate it, the Sentinels are untouchable.”
Ranjaz raised his pistol. “He took my friend.”
“And we’ll get him back,” Eruwenn said softly. “Then we’ll all deal with him, and the rest of the Sentinels.”
Krast sneered and spat blood once more. “Your human is dead.”
Ranjaz fired.
Krast screamed and grabbed his other leg. “You bastard!”
Toran and his men raised their weapons as the Kah’Ree yelled, “Get the hell out of here!”
Ranjaz turned and followed the others out of the door, but just as it was about to close he poked his head back in. “Oh, one last thing.”
Toran could be seen looking up just as the Kittran fired again, but he ducked out of sight before the true outcome of his shot could be seen. The shrieks of agony, however, followed the trio down the corridor as they broke into a run. Eruwenn spared a glance down at Ranjaz during their retreat. “What did you do?”
The full-fanged grin had never been larger. “Made sure we’ll see him again.”
On the floor of the dalcho room Krast was screaming in agony. He turned over to stare at the closed door. “I’ll kill you! I will hunt you down and kill every last one of you!”
Toran spoke into his communicator. “Tell the Sentinel ship to come get their man. And, bring a doctor. A really good doctor.” He nudged one of his guards and finally let out a chuckle. After all, the Sentinels had just robbed him. “You double-crossing scum always get what you deserve.”
The J’Rami guard raised an eyebrow. “Not sure anyone deserves getting shot in the balls.”
 
Next

So, I'm no longer in a bad position. I've dipped into bad situations a decent amount in the short period of adult life I've had. Luckily I've always caught myself just at the right time. Gambling addiction (lost in total $10,000+ over several casino trips), minor drug abuse and alcoholism (no exact total), a little too "helpful" towards friends (~$5000), and most importantly I spent way too much money on things I didn't have money for. Luckily I had people to support me instead of resulting in getting a loan, but I was still in debt to these people and I wasn't going to take the money and run. I had good jobs but I was spending more then I was earning.
Now that the introduction is out of the way I can start talking money. I did your standard saving change, and paying off debt using the snowball method. However, I have a major problem with spending. So, I started limiting myself (which was new for me) and I went at it hard. $35 a week for living expenses. $20 for gas and $15 for food. I ate rice, eggs, bread, Ham, and carrots for nearly every meal for a full month. After I had paid something off I split the extra cash. 10% went to living and 90% went to the next bill. After repeating this for several months the only debt I had left was my car. I was also able to start eating a steak every week and eventually I learned how to cook some really good foods with nicer ingredients. Eating little really sucked I might have been screwed if I had to do this much longer than I did. Im not a large person to begin with, and I lost ~10 lbs through the process I don't suggest this for anyone.
That was what I did to get out of my debt. NOW, I still have a spending problem. I like to buy beer (I wouldn't say I have a major alcohol problem but I like to drink), electronics, and things to get me into hobbies that I later find out I don't enjoy. I've been looking for something to do so that I DON'T spend money, but it ends up becoming a waste. I was falling in the same pit as before, but in a way that you don't really notice until it's too late. So, one day I thought to myself, "Now that I'm in a good position I want to keep it this way." Getting out of debt is hard and staying out is even harder at least for me.
So, I sat down and thought about it for several hours on an off day. I watched YouTube videos, listened to Dave Ramsey, etc... and I Finally figured it out. I lived off of $35 a week for a full month. I can totally do it, but the reason I could do that is because I knew I had nothing else I could spend. So I got a Cashapp card, a Robinhood card, an Acorns card and opened another checking account in my bank (one that builds interest).
Having debit cards is not as big of a problem as having credit cards. Debit cards are generally free (besides the acorns card). Once I had these cards I set them up to automatically take money out of my main bank account. $50 to Acorns/week, $10 to Cashapp/week, and $10 to Robinhood/week $100 to the second checking account every month. These totals are kinda big for some people, but I have the money available now so it's okay for me.
I make tip money which I keep in a box along side the card linked to my main bank account (which I have my Insurance, car payment, and phone bill set up to) and every week I put $50 in my wallet and I keep the Acorns cards on me at all times. That is my weekly budget for food and gas. I'm at a point I can start spending small amounts of money on wants instead of just needs so I leave the RH and Cashapp cards in the box as well, but if someone invites me to the bar I can take the cashapp card with me and it might have $20-$30 on it to spend on some drinks. With RH I haven't been able to use it yet. Its purpose is for me to have dating money. It has a decent amount of money I can spend on a potential girlfriend. The second checking account I have been building my emergency fund in and I just recently passed $1000 I put a little extra in there when my tips build up. (I need $100 a week because I use a lot of gas for work now.)
The reason this strategy works for me is because I'm spreading my money so far from each other I look at the money I have and it tricks my brain into thinking I am broke. If I don't think I have any money then I won't spend any money. The problem is finding the right time to transition to this strategy.
I want to thank the Acorns card the most for my progress. It's amazing. Not only does it keep me from over spending, but it invests change for me so that I can start building my future. I always thought that eventually I wouldn't be able to work anymore and I'd only get social security in the future which is honestly pretty garbage. Also, I wasn't as big about the stock market at the time, (now I know a thing or 2 and I invest in RH and Cashapp), but for the people that don't care about stocks Acorns is a perfect way for you to get into it. You don't have to know anything. Acorns automatically invests in to good stocks and bonds. (This isn't a sponsorship. Acorns is just a good idea. Even millionaires use it.)
The final part of my strategy is working all the time. I can't spend money if I'm at work. My managers also love that I work a lot. I may not work at 100% all the time, but I always work. When someone calls in sick I'm the first person they call to work. Which is probably helping me get hours and raises. I work at 2 stores now and a ranch on the weekends. Hoping to get some technical skills there. I don't really work with the animals. More of a poop shovelehandyman. Thinking about starting a small side business once I pay off the car and build some capital.
For reference I'm 21. My old roommate left me with the bill for our apartment. This is when I started living on $35 a week. I REFUSE to break a lease. I don't have credit to fall back on. I had just lost my job and started a new one with not even half the pay (gotten 2 raises and A LOT more hours since then). I moved back to my mom's to speed up my saving process and getting another apartment was probably impossible unless I extended my lease. I pay my mom $300 a month for rent. Moving out after I pay off the car.
Hopefully this helps someone. If you're still struggling I hope you can make it to the point where teaching yourself not to spend too much is the next step. Good luck everyone. 👍
TL;DR: Once you're out of debt or close to getting out of debt. If you have a spending problem like me then don't fall back into debt because of it. Spread your money as far apart as you can so you're brain thinks you don't have any money to spend. Also, use Acorns.
Edit: I would've put this in the cheers flair too. I'm overjoyed that I have FINALLY learned from my mistakes.

I originally posted this is personalfinance and was told to post here.
So I bought a car for my mom 2 years ago using a loan with my bank. The vehicle is registered under my name only. I am on her insurance policy. She is the primary holder. She got into an accident recently and took the car to the mechanic for repairs. She received the insurance claim check and chose to spend the money on something else instead of getting the car out. I get a call a month later from the bank telling me about the situation (I was unaware of what was going on and assumed everything was being handled). They tell me that the mechanic is processing a lien and its going to get repossessed if I dont work it out with the mechanic. The mechanic is asking for a total of 5,400 which includes 1,950 in storage fees for 30 days. I only have about a fifth of that. Shes only willing to take the 3 grand then the rest in payments and she wants a decision by the 21st. I do not have 3 grand. I tried to apply for many loans and have been denied. Im wondering what my options are at this point. Do I let the bank repossess it? Is the car worth getting out? I still owe 17,000 on the vehicle and I have over 6,000 in credit card debt that I've accumulated this year due to the first covid lockdown. I've heard of surrendering a vehicle but not sure how that would work and I would think I'd still have to pay the mechanic to do that.
I tried to keep this as short and straight to point as possible. If there's any questions I will gladly answer them. Any help is very much appreciated. I am 27 and made the wrong decision by trusting my mom and I dont want to make another bad decision. Thanks ahead of time.
Some people were confused in the other sub so here are some more details:
*My mom has a gambling addiction and it has become worse. She's homeless now and spends all her time at the casino. I realize now that I'm an idiot for buying her a car when I was aware of her gambling habit, but at the time I was convinced that everything would be fine. She has been making payments on time but even if she couldn't make the payments, I would take care of it because I could afford it. That was my thought process at the time when I bought the car but it never occurred to me that she could pocket insurance money if an accident happened. She had me thinking everything was fine and she was gonna get the car from the mechanic but I had to find out the truth a month later from the bank.
*I dont know why I wasnt contacted by the mechanic or insurance. I dont know why it took a month for the bank to call.
*I spoke to the insurance company to ask why the check wasn't issued out to me or the mechanic and I was told that legally, since my moms the primary holder, she can request the check be sent to her under her name even though its only my name on the registration.
*The mechanic filed the lien about a week ago
*The car is worth 12 - 13k right now

• I am located in California

Hi PersonalFinanceUK, I hope I can get some advice here, long time lurker and using a throwaway to protect my identity for obvious reasons.
I'm a gambling addict, I've been gambling for as long as I can remember, it started small but for the last 15 years it's consumed all of my money, from the day I get paid, I pay my bills and i buy myself gift cards for the supermarket so I can survive a month then that same day I either win up to around £15,000 or loose the lot, but by the second week in the month I can promise you all my money will be gone until my next pay day. I earn 60k p/a out of London, I had nothing to my name and I know gambling is bad for me and has destroyed my life until now.
Over the year's i've ran up debts, I don't really have a clue how much I owe, looking at my credit files I think around £30,000 many times I've managed to get a basic bank account and get it overdrawn some how to the point that It's useless to me and eventually gets sent to collections then closed. I've been in a position where I can't open up a bank account for the last two years. Up until about 4 months ago I was using Transferwise as my main account but they closed it on me as using an account for solely gambling transactions is against their ToS.
Since then I am using a pre-paid card to receive my salary and spending. I've tried approaching banks about getting an account with them and i essentially get a "Computer says No". I have checked I do not have any fraud markers against my name with CiFaS of the other agency which name currently escapes me.
I've never been ready to change until the thing happened to me that I always wanted but never expected to happen. I have a cheque from a well known land based casino for more than I could expect to earn for the rest of my life, or even more money that I would have expected to earn in my career. But I'm unbankable. Literally no bank will touch me and I guess I deserve this but I don't know where to go from here.
I'm at the point now that I want to turn my life around, I have spoken to my account managers at all the casino's I play at and explained my situation and joined SENSE and GAMSTOP. From this point on I can't gamble anymore, and I'm seeking help for the mental health side of things.
I want to pay off my debts and start again property, It's like I have every penny back I ever paid into casino's and then some but I'm unable to touch it.
Can anyone point me in the direction on where I can go from here on how I can gain banking facilities again? I assume that there must be a bank that will take the circumstances into account rather than just running the numbers on a screen.

3 AM in Montreal, Quebec. Felt nice reading these posts knowing I am not alone. 10 years ago when I turned 18 (legal age here to gamble) my friends brought me to the casino in Montreal just for fun. Even though I was iffy about it and had a bad feeling about this place, I went to check it out and played $5 for the heck of it. Second time, went back with some close friends and hit that $125 "jackpot" at War and that was it. It turned the switch in my head. So many wins and losses mostly losses. Changed to blackjack one day when my brother taught me the game and lucky me had won about $1500. Followed by more losses. Some big wins (7-8k) then lost it all. Fast forward 10 years with so often on and offs, digging holes, getting back up and so on. My ex at that time left me and I don't blame her. Got myself a second pizza delivery job to pay some of it off. 2017 got a new gf, told her about some of my problems and promised to not do it again very supportive and helped me pay it off when i got a new job at the bank. 2019 when things were going, I gambled again and maxed all my credit after having it cleared after years that really fd me up, so I turned to making quick money to fix this. 2019 ending, got fired from my job. Mentally fd me up even more so I turned to gambling. Luckilly found a decent job in finance and decided to never gamble again. Everything once again going well with maybe only 15k in the deep from gambling (very fixable). Started trading stocks in March through August. Little did I know my gambling nature would impact my trading decision started taking big risks and thought of big WINS. During that time while losing in stock, friend showed me bet 365, was just betting small amounts for the fun of it. September 2020, I had ordered a ring for that same gf who supported me soo much and looking at my finances, stocks not soo good. So this one day in September I played a round of online blackjack after being free from card gambling for almost 10 months. I made 7k which would cover my gfs ring and told myself im going to take time off and not go back. September to October 26th while I kept telling myself I wont go back I was on my hottest winning streak of net $50k. I had lost my head, my whole life was uphill, I was living the life. I had enough to pay all my debts, my car , my motorcycle and still have a little left. Heck Come Ocober 27th, overnight I lost it all. Then it had hit me, I needed change, self excluded myself right away on bet 365. Started applying to new jobs and stayed busy with the interview process. December 24th, got an offer for a job but I was still unhappy about having lost all that money which could have given me a different life. Told my fiancée it was through stock trading and I would not do it again. During the holidays I saw an ad on casino.com, couldn't resist the thought of having that same streak on bet365 and fixing all my problems. Made 8k wow was feeling great. Nope, 2 days later all gone and another 15k on cc maxed out on top. Went through depression for the 10000th time. Told myself new job pays well and ill get a second part time job which to my luck oncd again a local mikes needed a driver and schedule works good. On last Thursday got an email, after self excluding from stupid casino.com, from casino tropez. I am so fked financially about 40k deep and supposed to get married in June, told myself IF ONLY I can make it back. These fkrs took another 2K of money I needed and have had to borrow. 20 and 20 I have, machine gets 21 with 4 cards and followed with 3 blackjacks in a row. Just some examples. Anyway I self excluded from all these online sh1t sites and hoping to work hard and pay off this mess and live peacefully with my partner who deserves much more. I'm tired of being depressed, sad, anxious and stressed. I wish gambling were illegal. Anyway I don't think anybody will read this because it's long but felt good to share this here and for everyone going through this, there will be better days.

to keep on pushing.
Many people visit this sub and post after a bad loss. I’ve been there ... we all have. What’s going to happen is after 5-10-20-50 days of not gambling you’re going to feel so accomplished that you’ll have the urge to reward yourself by playing a few hands or betting a couple bucks (or thousands) on the Super Bowl. You need to remind yourself why you are here.
Take control of your future and your finances. When you are gambling the difference between $1 and $1000 means nothing as you are so numb to monetary value. “What’s another $1000 bet considering I have already lost 40 times that?” is something I would say to myself before unloading on another game. I am not a financial advisor, but I have experience in economics, finance, and life and feel I can provide some insight as a recovering addict.
My situation is a bit different so I will give some insight and feel it’s best to explain my situation.
I’m 25 years old and live at home (COVID). I have lived on my own in the Big Apple and have seen both sides of life. One where your parents cover everything and one where you have daily and monthly expenses like rent, utilities, and food. Currently I’m lucky enough where I don’t have expenses, but being the dumbass I was, my expense was paying the bookie. I know many people don’t have the same luxury as I, but it doesn’t mean you can’t still save. I’ve given up the last 2 years of saving and instead gave into this disease.
1) first thing first, personal ban yourself from casinos or online sites. My vice was sports and I had a chat with my bookie and let him know I was struggling. We were able to settle the debt for about half of what I owed. Just ask, it can’t hurt.
2) before you can save you need to pay off whatever outstanding debt you have. Credit cards and fees will continue to build. Once these are at or near $0 you can begin the rebuild. I have (thankfully) never been in debt, but this is certainly where I would start if I was.
3) create a budget. A tight one, to the dollar. Mortgage? Phone? Car? Food? High level looking at the entire month, decide what you can spend and what you can save.
4) CONGRATS!!!! You are debt free. For whats it worth, I will consider phone bills and car payments for what they are, monthly expenses. Factor these into a budget. For some, this step might take 1 month or 10 years. Patience is key.
5) the first exciting part of this whole thing is quitting, the next is clearing of any debts, and now for the grand finale. You can now start to build wealth and add to your future. Depending on your financial security you can decide to add to your savings or opening an investing account (I use Fidelity). Investing in low risk ETFs will continue to gain and gain and gain.
6) if your company offers 401k and match, DO IT. I can’t stress this enough, it’s free money that you can’t touch. Over 3 years of working my 401k has absolutely ballooned. My company matches as well and I can’t withdraw, only add. It’s the perfect scenario for someone still learning how to control their financial future.
7) sit back and watch your money grow. Once you see gains in your investing accounts, you will become invested in learning about different ETFs that it will become a low risk way to “gamble”.
Hope this helps. Be patient. The damage is done and the recovery will take some time. Use your new time wisely, you’ll have a lot of it. As someone who constantly bet on sports, I’d sometimes spend 6-7 hours a day watching college basketball games I normally wouldn’t care about or sweating doing research on how to make back the money I lost. Spend this time to learn new things, pick up a new hobby, and apply to new jobs/opportunities to advance your career and increase your salary.
Most of all, be excited. Be excited about a life without lying to loved ones, chasing loses, owing people or institutions money. Be excited for a life of stability, even if it takes years to arrive at that point. Don’t let the past you define your future. It is never too late to recover. There will be a point where you’ve made so much progress you think you can go back as a changed person. You can’t. Use whatever you can to remind yourself.
One thing I want to add. The most difficult part for me is dealing with the constant regret of losing money. My parents certainly think I’m better off than I am and my bank account could look far better. What helps me is thinking about how fast time flies and how fast you can rebuild if you set your mind to it. Another thing is not comparing myself to others. I always think about how far ahead my friends and classmates are, but in reality everyone deals with different vices. I’m not big into buying material things or smoking, but many people do. These cost money. A lot of it. You really don’t know what other things people are dealing with. I look at gambling as an investment gone wrong.

2/5/21...originally posted 2 months ago...I'm starting to see a major uptick on the "Just Relapsed"/ "Day 1 Again" posts...felt I need to repost again, without replying to each post...I've been a sick compulsive gambler for 20 years and its been 674 days since I placed my last option trade / casino bet. And yes, this whole GameStop madness has stressed me a bit, but I don't have access to money so I just go through the emotions and move on. Please read below. Take care.
Hi everyone, I hope you are doing well. I keep seeing all these "Day 1 again" posts. I know us sick compulsive gamblers have different opinions and life circumstances. The fact is that if you are in the grips of this progressive illness willpower is not enough to stop gambling. You cannot have access to money during your recovery or quite frankly ever. I've been a sick compulsive gambler for 20 years and it's been 590 days since I place my last option trade / casino bet. This has been my longest stretch being trade/bet free. Why has this been my longest stretch? It's because I finally realized that placing as many barriers between my money and my sick compulsive gambling self was the most effective method of not being able to gamble. When an alcoholic stops drinking they cannot have bottles of alcohol at home on the shelf tempting them to drink again, when a drug addict stops they cannot have a drawer full of drugs at home tempting them...when a sick compulsive gambler stops gambling we cannot have access to accounts, credit cards, or cash that is readily available to place that next bet. You simply can't. We need to be financially accountable to someone. You will experience pain, withdrawal, emotional distress, night sweats just as any other person that has an addiction problem. There is no difference. I've had to deal with so many different emotions during these past 590 days. If I had access to my money I would have relapsed guaranteed. I have accepted the reality that I cannot have access to my money for the rest of my life. I am a single person, I found many ways to be accountable to my siblings. I encourage you to read my previous early posts for advice on how to place barriers between you and your money. You can do this, the earlier the better, don't let 20 years pass by and your life has been totally consumed by this insidious disease to realize that it was preventable simply by limiting access to the tool that we use to escape to fantasyland. Money. I hope the best for everyone in their continued recovery and as someone on this group has mentioned in the past "your continued rediscovery" you will learn new things about yourself once your slowly released from the grips of this disease.

Section Zero: Background
Hello all, happy hoildays! I stumbled upon this subreddit not long ago and have enjoyed the commentary and experiences everyone's shared. Wanted to add another perspective from a mid-30s first-gen American. I've had some missteps regarding careers and finances, but I feel like I'm in a slightly better place now. I tried YNAB in the past but I wasn't consistent enough with it. These days I use Mint to monitor my finances and have a "Finance Friday" each month to review all my accounts and spending. I currently live with my partner TJ and his dog RR. We do not combine finances, but he has been unemployed since March. I have helped him with some bills and basic necessities here and there until he finds his next job or career.
My current financial goals are to just maintain a status quo and not get any debt until pandemic times are over. Then I will focus on a house remodeling fund and savings for taking care of my parents.
Growing up, what kind of conversations did you have about money? Did your parent/guardian(s) educate you about finances? My parents taught us about money from a frugal perspective. They are immigrants who worked in food service/factories. There was always this “save save save” mentality. Even when they started their own small business, we saved like there was no tomorrow. In high school, my calculus teacher bought us all “The Millionaire Next Door” book and had us read it as an assignment - that was my first structured introduction to finances.
Did you worry about money growing up? No, there was always food on the table and a roof over our heads. I knew that our extended family would support us if needed.
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? Yes. My dad didn’t finish the high school-equivalent in their country, while my mom did finish high school, but no college. My older and younger siblings took a different path in life after high school. I am the first and only in my family to graduate from college. My parents covered all tuition for my two bachelor degrees with the agreement that I support them fully during their retirement and send them gifts/extra money whenever I can. I feel very lucky and privileged that they were able to provide that education for me.
At what age did you become financially responsible for yourself and do you have a financial safety net? 24 when I went on a work holiday abroad. My family was always available to help when needed, but the experience abroad helped me stand on my own feet. As an adult, I also inherited that “save” mentality and put a lot of my earnings towards savings. I didn’t date until my 30s, lived frugally, didn’t go out to eat/hangout with people, shopped thrift stores, and had very few hobbies. I am starting to “live a little” now though.
Do you or have you ever received passive or inherited income? Aside from the tuition, my parents have helped with a down payment for my first house and living costs during periods of unemployment.
​
Section One: Assets and Debt
Retirement Balance
If the place I was working at offered a 401k, I would always contribute up to the company match. I started my IRA in my mid-20s and would try to contribute the yearly max. I've stopped that the past 2-3 years though. My Other Brokerage is some play money, but I got tired of staring it and switched to index funds. I haven't contributed anything to it in a few years.

• 401k: $34,127 (5% company match on contributions)
• Brokerage: $22,421 ESPP
• Roth IRA: $40,615 VTIVX
• Rollover IRA: $15,760 VTTHX
• Other Brokerage: $7,235 VTI
• Coinbase: $1,286 ETH (mostly just playing around with it)

Equity if you're a homeowner
Purchased my first home for $382,000 with 20% down, right before lockdown earlier this year. Perfect timing, right?? I plan to live here until my retirement. My parents contributed $15k while I used most of my savings for the rest.

• Current Equity: $80,371

Savings account balance: $3,073
Checking account balance: $7,800
Credit card debt: I charge everything on my credit card for the points, then pay it off each month using my checking account balance.
Student loan debt: Traditionally no student loan debt as mentioned in Section Zero.
​
Section Two: Income
Income Progression (listed as gross income with cost of living area):
High School

• $11/hour MCOL - Helped with small family business.

College and first “career” job

• $12-19/hour MCOL - I did events/banquet serving after classes and had an internship doing software administration.
• $22/hour MCOL - Junior web developer. I realized after a year that programming was not my calling.

Mental health break

• $12/hour LCOL - Work holiday abroad. I got a steady banquet server job for that whole time. It was enough to live minimally in a hostel, do weekend trips, WOOF and figure my life out.

College (again) and second “career” job

• $12-15/hour LCOL - Decided to go back to school for a different bachelor's degree. While pursuing that degree, I worked at hotels and events as a banquet server again. I also did “search engine evaluation” whenever there were tasks available.
• $36,000/year salary LCOL - Software administrator at a casino after graduation.
• $39,000/year salary LCOL - Systems analyst at same casino. I left after 2 years, feeling disillusioned with the casino industry. I moved back home with my parents until I could get back on my feet again.

Third “career” jobs

• $20/hour HCOL - Entry level advertising role. I was applying to all types of office jobs and that was my only bite.
• $45/hour MCOL - Cold-called from a global company who needed someone with my software administrator experience from the casino job. It was an 8 month contract. Although I was starting to love my advertising job, the increase in pay was no question.
• $65,000/year salary MCOL - After the contract ended and a few months of unemployment, I landed my current job at the same company. It is an “early career” role according to their job levels.
• $66,900/year salary MCOL - Cost of living and merit increases after 2 years on the job. Pre-COVID we got a $5000 bonus each year. They have now stopped bonuses as well as all COL and merit increases.

​
Main Job Monthly Take Home:
Monthly Net (paid bi-weekly): $2,758
Deductions:

• Taxes: $1214
• (Pre-Tax) Insurance (Medical, Dental, Vision, Life) + HSA: $822
• (5% Pre-Tax) 401k: $256
• (10% Post-Tax) ESPP: $514

Side Gig Monthly Take Home:
No side gigs at the moment, but I am thinking of signing up on Upwork.com and doing Excel/data entry projects to help pay the mortgage.
Other Income: TJ’s friend will be staying with us for a month in January, who will pay rent of $800 including utilities. Depending on how that goes, we may take on a roommate in the spare bedroom long-term.
​
Section Three: Expenses
Mortgage - when I bought the house, the plan was that I would charge TJ a portion of the mortgage costs as “rent”, but since his unemployment I am now covering it all myself.
Regular Monthly Payment: $1677.57

• Principal: $501.31
• Interest: $849.74
• Taxes & Home Insurance: $326.52

HOA: $30/year
Retirement contribution: Nothing additional than what's been mentioned.
Savings contribution: I used to do $50-100/month, but since COVID I’ve stopped contributing to my savings account.
Investment contribution: None at this time.
Debt payments: $100/month towards TJ's credit card balance of $2,307.
Donations: $10-20/month, usually towards Omaze or Planned Parenthood.
Utilities:

• Electric: $45-65/month
• Water: $60-90/month
• Sewer: $30/month
• Garbage: $26/month
• Natural Gas: $30-80/month
• Xfinity internet: $60/month

Cellphone: On my parents plan.
Subscriptions:

• LinkedIn: $29.99/month for TJ’s job search - he’s found it very useful.
• Amazon/Netflix/Hulu: We piggyback off family and friends’ accounts.
• Nintendo Switch Online: 19.99/year
• Costco: $60/year

Gym membership: Pre-COVID I did Orangetheory for a year. I started to pick up free exercise equipment from Craigslist this year, so we have a small garage gym now and utilize YouTube exercise videos instead.
Pet expenses: $10/month. TJ has stockpiled some Costco canned dog food before unemployment, but once that runs out I will likely cover the costs. We also started to make homemade dog food to help supplement.
Car insurance: $460 every 6 months. Car is paid off.
Regular therapy: I will start in the new year. Not sure what the costs are yet, but I will use my HSA to pay.
Vitamins/Medications: $20/month
Groceries & household items: $75/month
Miscellaneous (eating out, house purchases, gifts, etc): $100/month
​
Section Four: Money Diary
Monday
6:30am Neighbor starts up their truck. We joke that it's our natural alarm clock. They idle for about 15 minutes before heading off. I go back to bed.
9am My real alarm goes off. I put the electric kettle on for some morning tea. While it's boiling, I do my morning routine: drink glass of water, take synthroid, use bathroom, brush teeth, quick shower. I then make tea - Jasmine Pearl English Breakfast with dark forest mix. I started ordering loose leaf tea in large amounts back in March instead of small bags or single serving packets. Seems more economical since I drink it daily. I let the dog out into the backyard so he can do his morning routine.
9:30am I go through my daily tasks for work. They entail checking processes and reports to make sure they ran successfully overnight. I then answer some emails and catch-up on Slack channels.
12pm Lunch is leftover roast chicken and quinoa from Saturday. I heat it up in the instant pot. Love that thing! Almost every meal of ours involves the instant pot. We hardly use the stovetop. We then walk the dog to the business park across from our neighborhood. There's a very short trail that runs along a drainage creek by the business park. It's quite muddy, but has a nice woodsy feeling. Over the summer, we saw sumac trees there as well. Free sumac spice!
1:30pm Department meeting on Zoom. Our director announces his resignation on the call. Everyone is shocked! Layoffs were announced for next year but this was not a part of it. I think it's a good move for him and he doesn't have to have this worry of layoffs over his head.
3pm I meet with an engineer from another team and talk about a data source they are in charge of. He helps me out in understanding it and we identify most of the fields that I need for a project I’m starting.
5:30pm I check in with my partner. He's been watching LinkedIn tutorials on internal recruiting, job coaching and general computeoffice skills. It's a career change that he wants to make - something where he can talk to and help people. He doesn't have a bachelor's, only an associates, and hopes these tutorials will get him a leg up in the job search. I sent him some entry level HR admin roles the other day and remind him to apply. I then heat up leftovers: homemade chana masala and rice. I add some butter and coconut milk to thin it out, so there's enough for both of us.
10:30pm I take some magnesium, vitamin D and Airborne. I say goodnight to the dog who sleeps in the office. Then I say goodnight to TJ. He sleeps in the spare bedroom on weeknights due to his snoring keeping me up. I'm a light sleeper while he is a pretty deep sleeper.
Daily total: $0
Tuesday
9am I check Reddit Secret Santa. My match seems like a really good person. Not sure what to get, but most likely will purchase something off their wishlist. I wish I was more creative with my gift giving.
11am Meeting with business stakeholder. She submitted a few changes to an existing data process about a month ago. I make the change while on the call and have her test. Success! Marking it off the todo list. I love when we can finish things directly on a call.
12:30pm I come out of my office to make lunch. I notice my partner is not home. I check my messages and see that he's stepped out to pick up a few things. I ask for celery, carrots, and kombucha. $17. I make a quick charcuterie board for lunch: Costco salami, cheese, homemade hummus and Triscuits. It's a simple, fast meal that’s always in our rotation.
2pm My partner is back and we take the dog out for a walk and quick round of disc golf at a nearby park. We mask up and play only a few holes. Disc golf is a pretty frugal activity, you only need 2-3 discs to get started. TJ remarks that my throws are getting better, but then again they weren't great to start with. We talk about Christmas/Birthday gifts on the way back home since he was born on New Years Day. He mentioned snowshoeing but asked to not spend that much. I'll do some research!
5pm I think about personal career projects. Should I put up a portfolio of projects somewhere? I decide to try and pull some Yelp data. There’s not a lot of data points that I was interested in. Regardless, I tinker with it for an hour. TJ asks if I'm hungry. I said not so much, but felt thirsty. Maybe some ginger soup tonight?
7:30pm Dinner is served - ginger carrot soup made in the instant pot. We eat some rice crackers with it. Lately I feel like we've been eating more vegetarian dinners. It definitely helps stretch our food budget. We end the evening by finishing Fargo season 3 on Hulu.
Daily total: $17
Wednesday
1:30am I'm woken up by the dog. He's been sneezing a lot and wheezes at random intervals. TJ doesn't have the money for a vet visit but I've offered to pay as long as he calls to make the appointment. I give the dog some coconut oil, rub his belly until he seems better and go back to bed.
7am Garbage day. We usually put it out the night before but I forgot. I get up to go, but TJ handles it. I think, at least. I'm too sleepy to pay attention and go back to bed.
9am I wake up and rinse some dishes that have piled up and put them into the dishwasher. We both grew up in households that had a home dishwasher, but forbade from using it. It was drilled into us that hand washing saves more water, unless you had a restaurant/industrial dishwasher. I think with modern home dishwashers, that's changed, so I wanted to try it out with our dishwasher and monitor the water bill. Don't have any dishwashing pods or powder, so I put some OxiClean in it.
12:30pm I overhear TJ on a call with a recruiting agency. It seems to be going well, lots of laughing. I heat up some taco lasagna that I freezer meal-prepped last month.
2pm Collaborate on a project at work with an engineer. My manager put me on this project since I was asking for an assignment on a more technical team. I'm learning tidbits here and there, but I don't feel like it's structured enough.
5pm I do an Orangetheory-At-Home workout and try to break a sweat. It's not the same as going to their studio.
6pm Charcuterie for dinner. Our fridge is full of store-bought and homemade pickles that go super well on a charcuterie board.
Daily total: $0
Thursday
7am I wake up tired. The house has been feeling more cold, which woke me up a few times. We keep the temp at 72F during the day, at night around 68F since we thought the bedrooms keep the heat in pretty well. My mistake!
9am I do my usual morning routine and login to work. My team mostly spends the morning sending each other emojis.
11:30am Lunch today is mini quiche, frozen chicken and veggie entree, and hot dogs. Not the most cohesive meal, but it fills the belly.
12:30pm TJ heads out to his mailbox that's 30 minutes away. He is still waiting on his tax return and a 401k withdrawal. His taxes had to be filed by mail for some reason, then the IRS office shut down due to COVID. So he wanted to see if it arrived yet at the mailbox. He also takes the dog to the vet's urgent care on his way. They didn't have any regular openings available until the end of the year, and the dog seemed to be getting worse. I give TJ $40 to mail a gift package to a friend in France and also reiterate that I'll cover the vet bill when he gets it.
4:30pm I pay some bills, my favorite activity (not)! Sewer bill: $59.44 (billed every 2 months). Geico bill: $459.60 billed every 6 months. Then I follow up with my mortgage officer over email. I had sent her some documents for a refinance quote last week, but haven't heard back. Rates keep dropping, so I'm told, but what does that really mean? I do some research on realestate.
5pm TJ messages me and says he'll be back for dinner. I ask him to pick up some Popeyes via drive thru since we both don't feel like cooking today. Popeyes is currently our fancy “going out to eat” food. $24.17 for a 4pc dinner meal and a 2pc dinner meal.
Daily total: $583.21
Friday
8:30am Busy morning at work. My phone is buzzing with emails and Slack messages. I try to answer them while I make tea.
10am Zoom Department happy hour. We reminisce about our director and then play those Jackbox party games. Some of them are hard!
11am TJ asks if he can make me anything for lunch. He suggests savory oatmeal, quick and easy. I tell him that I really appreciate him making meals/doing chores/etc without me prompting. We've been having conversations about "house project management" and mental load because I did most of the chores or I had to continually remind/tell him to do it. I'm really happy to see us progress on this front. I decide to work through my lunch break so I can end the day early. I don't often do that, but I'm ready to get the weekend started.
2pm I check on TJ in the spare bedroom and ask if the dog has been fed yet, since he was nipping at my feet. I notice something off about TJ and ask how he is doing. TJ is depressed about his personal life, career, finances. He doesn't know what to do, spends half the day meditating and reflecting on past trauma. I've been prodding him to get a therapist but he is confused about his insurance. He makes an appointment with a primary care doctor first. I feed the dog some homemade dog-friendly beef stew.
4pm My mom swings by the house (but doesn't enter). She currently works at a school who distributes free USDA food boxes since March. There's often many boxes leftover that would go to waste, so she will grab a box for us. Onions, potatoes, beets, turnips, eggs, cheese, butter, frozen veggies and frozen chicken. She also brought her vintage pasta maker. I asked last week if she ever used it these days and her reply was “no, feel free to have it”. I love pasta and noodles and figure it would be great to make it ourselves as a frugal hobby.
8pm We catch up on Mandalorian and watch silly Youtube videos before heading off to bed.
Daily total: $0
Saturday
9am I open up my web browser and look at Craigslist and NextDoor for free stuff. I've been scouring for free landscape rocks, pegboards, and wood for house projects. I had this grand ambition to redesign our backyard. It faces our neighbor and currently the fence is pretty low. They can see into our kitchen and bedroom and we can see them. But y'know, COVID and going from dual income house to single income means it all has to be put on hold. So I've been looking for free items in the meantime. Over the past months, I've gotten planter pots, plant cuttings, a raised bed, stepping stones, all from free listings. I don't see anything worthwhile so I go and make some tea.
11am I look at Amazon and make some purchases for Reddit Secret Santa. A foodie kit, DVD of their favorite movie, and some cute pens for their writing hobby. $54. I hope they like it!
12pm TJ heats up leftover stir-fry for lunch for us. I put on some Binging with Babish and we watch how to make pasta. We have a plan - TJ makes the pasta, I make the sauce. Perfect date night activity at home. We watch some more videos on pasta and noodles to educate ourselves.
4pm I start prepping veggies. Big batch of onions, canned tomatoes, ground beef and butter in the instant pot. Meanwhile, TJ works on the pasta by following Babish's instructions.
7pm We gorge on fresh made pasta and bolognese sauce. It's so good! We end up watching Fargo.
11pm Usually I'll be in bed by now, but it's a Saturday and not tired yet (probably because of all that pasta). We play some Kirby's Dream Course on the Switch.
Daily total: $54
Sunday
10am Quick walk around the neighborhood with the dog. He's on a new routine now with the medicine he's taking. It seems to be helping his breathing issues.
11am The pasta maker and flour is still out since we didn't clean up yesterday. There's some old pie crust in the fridge so I roll it out with the pasta machine for mini quiches. (Sally's Baking Addiction blog is my go-to place for her all-butter crust and quiche recipes btw). TJ helps by mixing up the eggs.
3pm I play some Genshin Impact (GI) on my phone while TJ plays Starcraft in the office. I don't usually play gacha games, but the Zelda BotW-style of GI appealed to me. A gacha game is a game with randomized characteitem boxes that you use real-money to purchase a “pull” or to spin the wheel. I know the gacha parts of the game can be a real money sink if you get addicted to them, it’s almost like gambling. My main team is Fischl, Bennett, Barbara and Noelle. I level up to AR 22 and look up free-to-play tutorials for the game.
6pm There's some leftover pasta from yesterday, enough for both of us. I throw in some roasted beets to round out the meal. We watch more Fargo while eating. Almost done with Season 3!
10pm I find a tour operator who offers a small, socially-distant snowshoeing tour up on the mountain. I reserve for two people - this will be TJ's Christmas/birthday gift. $75. Off to bed for another workday.
Daily total: $75
Weekly Total: $689.79

• Food + Drink: $41.17
• Fun / Entertainment: $75
• Home + Health: $59.44
• Clothes + Beauty: $0
• Transport: $459.60
• Other: $54.00

Section Five: Reflections
Aside from the car insurance bill, this was a typical week for me, COVID or not. We make the majority of our meals at home and usually splurge on drive-thru/delivery once every other week. I may have overspent on the Secret Santa gift, but I don't often give gifts out to friends. It's not something our family does either. For TJ’s Christmas/birthday gift, we usually talk upfront about costs. I’ve gifted him fancy restaurant experiences the past 2 years, since we can share that experience, but obviously can’t do that now. Snowshoeing is a nice change of pace.
The conversations with TJ this week have given me thought on how to approach him differently about finances and working together in a relationship. I’m still unsure about the future financially, particularly as my parents near retirement age and that TJ has pulled out his 401k to pay his debts. I don't know if I can support both my parents and TJ together, so I am finding ways to upskill and/or side hustles without becoming a workaholic or bogged down by stress.
Writing this money diary was also the first time where I really paid attention to my past income and current income. I might be contributing too much into ESPP that could go towards the 401k or mortgage instead? I also seem to have been underpaid for what I did in past jobs, even in a LCOL area.

Gambling is not really the right word to use but idk what other word to use. Simply he gets addicted to anything and that’s all he can think about for months and months and will spend all of his money on it - he isn’t getting any money back just loosing it.
We have been together for over 2 years now but in a few weeks I’m moving nearly 300 miles away to another state (some people might not see this as a big dust but personally I find this distance massive as it is both of ours first ever relationship and it is the first time I have ever gone anywhere else other than my home town).
This week alone he has spent over $1000 on Pokémon cards. He is convinced that the more he buys the more likely he is to find a shiny rare card that will sell for heaps of money, but it’s getting a bit out of hand and I know it’s going to get worse while I’m away and I won’t be able to stop him or support him. He has been to therapy and been to psychologists before and they have been great for certain things but the addiction problems are getting really really bad. We were both working part time jobs before COVID-19 when we both lost our jobs because before we were trying to save up to go on a road trip together. But in the past two months alone he has spent all that money he saved up plus more.
He knows it’s getting worse so I’ve been working really hard to make sure he doesn’t start gambling with poker machines or in casinos or anything like that but I don’t know what to do anymore
When he goes out to places where he knows he could be tempted to buy more cards I suggest to go with him and make sure he doesn’t go and one time I even suggested to take his credit card away from him while we were out because now he has less that $20 left of all of his money.
I think/hope he will start selling his collection soon because rn he can’t afford petrol or food or anything.
What can I do to help him because I am completely lost and all out of ideas.

Okay so I decided to create this guide with the hopes of it becoming a sticky thread for all newbies to the online slots world, to read as we deal with the same topics repeatedly and the same answers/advice are given repeatedly. Not that we do not want to help, but these would prevent you from getting into situations before its too late, or blaming casinos when you were in the wrong.
Signing up or Registration
Registration – Please carefully read the general terms and conditions about every "Right" the casino has and please note that you accepted these terms upon signing up, which means you are saying you are okay with it and agree with what the casino state about what they can and cannot do.

• No Deposit bonuses/Signup bonus – Many players are still NDB (No Deposit Bonus) hunters and register simply for these reasons. Please read the NDB/Signup Bonus terms carefully to make sure your country is eligible to receive the NDB/Signup bonus. We had many players getting upset about this factor and then end up closing their accounts immediately out of anger which leads to SE (Self Exclusion) at times. which I will address later in this thread. However, we do have instances where a casino does not list the eligible countries that can or cannot receive the NDB/Signup bonuses.
• More than one player in 1 house Hold – Many casinos only allow one player per house/IP address to register at a casino. You can ask a casino if you and your partnesibling who stays together can both signup and some casinos would give the "Ok". Just make sure you have this in written confirmation via email or something and not live chat.

Claiming Bonuses
Read the bonus terms carefully before claiming any bonuses and look for the following pointers when reading the bonuses rules:

• Wagering – Many casinos have increased their wagering on bonuses lately which makes bonus wagering very difficult to complete these days. Decide whether the wagering attach to the bonus is high or low for you since you know your game play and strategies. Many factors can influence whether you will be able to meet wagering, which is the x amount of wagering, game providers availability and deposit amount just to name a few. Also note that wagering for "certain countries" are higher than others. For me personally I think wagering between x35 – x50 on the "Bonus" amount "Only" is reasonable and fair.
• Max Bet – 99% of casinos have a max bet rule in place when claiming a bonus. Note what the max bet is for the specific casinos as it can range anything from 1 – 5 euro/$ per Spin. Deposit methods can affect the max bet as well as some casinos limit the max bet rule between 1 – 2 euro per spin for deposits using e-wallets, however that same casinos allow a max bet up to 5 euro per spin for credit card/Alternative deposits. Even though a casino state the max bet rule another tricky rule in the terms that we tend to miss is the coin value. Some casinos state that the max "Coin domination/value" should be $0.20 or $0.50 per spin which means if you want to bet higher you would need to adjust the "Level" portion in the slot if the coin domination/value limit is reached according to the terms. If you breach the Max bet rule and it is stated in their terms, you do not have a case, period. There are some casinos who you can explain your situation if it was a mistake and they do sometimes make exceptions.
• Deposit methods – Many casinos lately have restricted the claiming of bonuses using e-wallet deposit methods such as Neteller, Skrill etc. Note they mention these 2 as they are most popular, but that also means any other form of e-wallets are not eligible to claim bonuses. I have seen a lot of players complain that they did not receive the bonus simply because they did not read the terms before claiming the bonus and the deposit has already been made. Also make sure you deposit using your own card, do not use your parents or any other siblings credit card to make deposits as this would cause a problem during verification which in the end results in to winnings not being paid out.
• Deposit Methods Additional Info – Many deposits are available from Casinos or let's say most casinos have the same deposit methods available, however the country that you reside in has the influence on what deposit methods are available and the same counts for withdrawals. So, for instance if AskGamblers website state deposit by phone which is "Boku" is available at that specific casino it does not mean that it will be available for all players, as that is depending on your country. Deposit by phone is mostly available for the UK players basically as an example.
• Max Cash-Out – Many players claim bonuses and after they complete wager, they tend to withdraw immediately. Some players are left with substantial amounts only to find out they can only get x2 the bonus amount (Casinos like "Viks" casino and "Quasar Gaming" have this rule) or x10 their deposit. I understand this is frustrating and upsetting, but the problem is with the player itself. Stop blaming casinos because you could not do the simplest thing in the world which is just take 5 minutes to read the bonus terms.
• Restricted games – Please check which games are allowed and not allowed to be played with bonus funds. Some casinos have a feature where bonus money is not even visible on the restricted games, but other casinos bonus money will show on restricted games. In many instances these would not lead to confiscation of winnings, it just that it would not count towards wagering. They also have a term where they would say that bets place on all "Other" games other that "Slot machines" will be deemed in violation of the terms and condition and your bonus winnings will be voided – So watch out for this one.
• Double up feature – The only thing to say here is that this will not counts towards wagering.
• Cashable and Non-Cashable bonuses – This one is another tricky one, some people call it a "Sticky bonus". This just means where you receive the bonus you can use it to place bets and for wagering purposes, but the bonus amount can never be withdrawn. I find this term ridiculous and always avoid this type of bonuses.
• Bonus Abuse – This is a very complex/broad subject but mention the basic ones (Thanks for forum members tips which I included on this one), the rest you can do your own research about the rest associated with bonus abuse as we all have different opinions
• Bonus per player, per account, per IP address etc. If you take that same bonus twice or more times, using different accounts under your name, then it's an abuse.
• Claiming free spins offers – Deposit to get free spins and withdrawing deposit after claiming free spins but continue to play free spins is also some form of bonus abuse.
• Accumulating bonus rounds and start playing them when your bonus balance reach zero, and you win those money as real cash.
• Anything you can think of that disadvantages the house (Casino).
• Bonus wagering period – This never really is a problem, but just make sure you complete you bonus wagering with the set time frame the casino provided. This can range anything from 3 – 30 days otherwise winnings will be voided.

There are other bonus terms that I have not mentioned but I think the above ones are the most important as these could affect you in terms of confiscation of your winnings should you breach any of them.
Verification
This is pretty much standard for a casino to ask for some form of Identification, proof of address and proof of deposit when requesting a withdrawal. Depending on the amount win, some casinos might not need documents, however when a substantial amount has been won additional verification or security checks might be done which means a longer withdrawal time frame. Verification or KYC is necessary, however I feel when casinos ask for selfies with your ID next to you etc. in my opinion is just ridiculous. Also, I have noticed some casinos requesting your source of income to see where you get the money to make deposits etc. This seems standard and you would need to do it to get your withdrawal, however all of us have different opinions about this verification procedure.
Withdrawals
Many casinos have different withdrawal time frames and when you accept the general terms and conditions you have to a abide by them, by this I mean stop being impatient and complain that the casinos withdrawal time frames are the worst etc. As you knew this before you started playing provided you have read the terms and condition. You decided to deposit and play so then wait for your money, eventually it will come unless you breached some rule, or the casino is a rogue casino.
Here are some of the tips you should note when it comes to withdrawals at casinos:

• Verification – This is standard procedure and you have to do this if the casino request it.
• Time-frames – This one I feel can be interpreted in many ways but let me give you my version of how I View things. When a casino says e-wallets 0 – 1 or 0 – 24 hours. This means that the casinos use that time-frame to process your withdrawal and after it being processed your money should be instantly available. Credit cards that state 3 – 7 business days and this is where some newbies get this wrong – This simply state the time frame they take to process the payment to your card, it does not mean you will get your money within 3 – 7 days, however this is possible. Prepare yourself for the longest waiting period to avoid becoming impatient and upset – So if a casino says 3 – 7 days expect to get it in 10 days max, however you can get it within 4 days, but sometimes casinos just stretch it to process it on the last day possible with the hopes you would reverse the withdrawal and continue to play. This technique of casinos sometimes works. So, if they process your withdrawal it can take another 3 – 5 days to hit your account based on your location and the banks in your country as they have internal controls with foreign currency. There are however hiccups with payment providers/processors etc. but these are at times out of the casinos control. My best is advice is "Patience".
• Reversing Withdrawals – With the timeframes explanation I just gave above and being impatient, players tend to reverse their withdrawals. They continue playing and end up losing their winnings. Stop blaming casinos as this is your own fault that you Lost the funds. You made the decision to reverse the withdrawal. If you really need to play, make a deposit at another casino or sister website and play there while you patiently wait for you withdrawal. Some casinos have the lock feature, so lock down your withdrawal so you do not reverse the withdrawal or play at other casinos which has quicker withdrawal time frames of 0 – 1 hour instead of days. The key here is "Patience".

Self-Exclusion
Self-Exclusion is a big thing these days and most cases substantial amounts are involved that are being confiscated. There are at times very little that us forum members or even AskGamblers can do when a player self-excluded and played at a sister website or similar, as we know the result and of course the house is kind of right. However, I think it's bad that a casino only realizes the self-exclusion portion on a player profile once it reaches withdrawal stage, because I feel they should have something in place that can detect that you self-excluded upon registration or before you even make your first deposit. People with gambling problems tend to self-exclude but the alternative is to read this guide - https://www.askgamblers.com/forum/topic/2152-sos-i-am-addicted-to-gambling-what-to-do/ . My advice is to keep your casino account open and do not play there anymore, because even if you request a permanent account closure, some casinos tend to self-exclude you without you knowing it and this would cause problems in future since you opened another account at their sister website or something.