After being in this hobby for 10 years, I’ve learned a lot—about myself, about life, and especially about money. Seeing providers changes you in a positive direction, and in my case, it has been for the better. But it also teaches you financial discipline, and if you don’t take control of your spending, things can spiral quickly.
I want to share my approach to managing the financial side of this hobby, the lessons I’ve learned, and the mistakes I wish I had avoided earlier. If you want to sustain this lifestyle without jeopardizing your financial well-being, these insights will help.
Setting Clear Goals
At the start of this year, I set a goal of seeing 60 providers. So far, I’m at 17, which I consider an excellent pace. Every session has been enjoyable—some more than others, but that’s part of the game.
The important thing is that all of these sessions have been funded from my savings that are quite alright for my age - 28, which brings me to a crucial point I wish I had understood earlier:
Never dip into essential money (emergency funds, rent, or investments) just to see a provider.
Providers will always be around. But your money? It disappears fast in this hobby. Being reckless with finances for short-term pleasure can and will create long-term stress.
The 80/20 Rule
One of the most important financial habits I follow is my
80/20 rule. It doesn’t matter how many income sources you have—this approach ensures you stay financially secure while still enjoying the hobby:
80% of your income goes toward necessities—bills, rent, food, and most importantly, investing. Even if you’re only putting
$150 per month into the S&P 500, that money will grow significantly over 10, 15, or 20 years. Your future self will thank you. I do that, every month.
20% of your income can be used for seeing providers.
This rule is non-negotiable for me. No exceptions. No slip-ups.
The Wake-Up Call
Back in 2019, I had a
"WOW" moment that completely shifted my mindset.
I woke up one morning at an ATF’s house, checked my bank balance, and let’s just say—it wasn’t pretty. That moment hit me hard. I realized I had been spending recklessly, not thinking about the long-term impact.
That was the day I changed my financial habits and implemented strict rules to ensure I could
enjoy this hobby without financial stress.
Final Thoughts
If you’re in this for the long haul, discipline is everything. It’s not about how much you spend—it’s about spending
wiselyso you can sustain this lifestyle without jeopardizing your future.
Stick to a budget, invest in yourself, and never let the thrill of the moment put you in a bad financial situation.
What financial strategies do you use in this hobby? I´m always on the lookout for more tips.
