/vt/ - Virtual Youtubers

>>>/adv/

>>47693250
idk i thought it was more relevant here but if the mods delete thread then ill take it there

>>47693219
Donating to streamers is almost 1 to 1 the same as paying to see a stand-up comedy show. The only difference is you don't have to leave your house and the comedian is playing a game as they tell their jokes.

I mean it doesn't really seem that complex to me.
It's the same as throwing a dollar in the dude playing the guitar on the street's case.
Public entertainer working off of donations.
Of course for Hololive and the like at least, it's a little different because they also get a salary. But I still think it's somewhat noble to support artists and entertainers that you enjoy.

>>47693305
Ok at least youre chill about it.

Well technically it is a bit of a scam, but "technically" so is tipping at a restaurant. They're just both ways of expressing gratitude and appreciation for something.
Just make sure you're spending your own money. If it's your money, they have no right to say how you use it. If it's theirs, well, you'll obviously have to stop.

But yeah don't go crazy with it. Remember it's like tipping at a restaurant, not a replacement for female social interaction.

>>47693754
I life this analogy even better than my restaurant one desu.

>>47693219
Your parents are correct. Get your own place and sort out your own life before you give money to streamers. You have no right to bitch.

>>47693219
>giving money to strangers
lol

>>47693219
Is it your money? How much have you donated?

>>47693937
This. If you are "donating" your money away before you have even sorted out your own life then you really need to be talked to by your parents, you should consider yourself lucky that they are smart enough to educate you on this stuff.

>>47693219
tell them they're online prostitutes and it's like giving a tip for a blowjob.

>>47694238
This is certainly one way for OP to get out of his parents' house

>>47693219
Anyone who gives money to vtubers (especially to the rich ones) is retarded. Your parents are right, and you're a faggot.
>>47693739
Except it's not the same at all because watching a stream is completely free. It's more comparable to watching street performers, and you shouldn't give money to them either.

>>47693219
Is it your money or theirs? If it's their money you should be kicked out of the house. If it's your money it isn't any of their business.

>>47693219
Payment for services rendered.

>threatening to boot me out of the house for "wasting money"
Who's money is it? If it's yours then fuck'em move out.

>>47693219
You see mom, I send money so funny anime waifu say my name. Yes it's like burning money but it's funnier.

>>47693937
>>47694368
>>47694376

>>47694339
as if that sounds any worse than:
"I give money to women pretending to be chinese cartoons online for no logical reason in particular, I like their giggles because they're kawaii uguu"

>>47693219
Don't spend your allowance on vtubers and then brag to your parents obviously.
Alternatively get a job and pay them a bit of rent money and spend the rest of your dosh the way you want. That's the way it was when I was 18 and that's still the way it is now except Im paying the mortgage for my Dad with my rent.

>>47693219
Don't wait to get booted, get out yourself. If treerrat can do it, so are you.

>>47693797
It is my money. But the problem is my mom has my bank account as well as my 2 brothers under her email. She gets the statements before I do. I had to tell her to fuck off because she wanted to put a tracker on my phone.

I should clarify im 28 years old. Yes i know that sounds really fucking embarassing but I do have a job, it is my money, and it really shouldnt be any of their business. But like I said before all my statements and shit go to her email and she sees everything. The real problem is that they dont realize me living on my own will basically slowly drain me of pretty much my entire life savings. The way I see it my 2 options are
>Be my parents bitches and not be able to send superchats because "my parents told me im not allowed to"
>Move out of the house and drain my life savings until im literally bankrupt because shits too god damn fucking expensive.

>>47693219
Stop getting scammed by whores.

>>47694365
The Supa wasn't free, it cost exactly what you spent on it, thusly it was worth precisely that amount.
According to chaos theory, a well timed super embued with the correct magical words will cast a spell making her sleep with you.

>>47695284
Very healthy parental relationship going on there. You can just go up to the bank and have your email changed, you're 28 for fucks sake.

>>47693219
strip club but virtual and less nudity.

>>47695540
I never questioned it because my older brother seemed ok with it and hes 31, married, has his own house with a dog and kid, and has a major in finance.

>>47695284
>moving out costs money
In other news fire is hot.
As long as you’re living for free under your parents roof (while being fucking 28, come on man), they can bitch about you using “your” money however the fuck they want. If you’re paying rent then it’s a different story obviously

If you're donating your parents' money then they're right to be mad and wanting to kick you out. If you're donating your money then tell them it's none of their business what you do with it.

>>47695856
$250 a month for rent but i do pay it.

>>47695284
>my mom has my bank account as well as my 2 brothers under her email. She gets the statements before I do. I had to tell her to fuck off because she wanted to put a tracker on my phone. I should clarify im 28 years old.
This is unironically the most pathetic thing I've read all year. How do people like this actually exist in real life?

>>47693219
if you dont want to look like a loser, you are basically providing an acting service for which you are paid a fee, or you can tell them the truth and say that those are just tips.

>>47695988
my entire family apparently lives like this and i just assumed it was normal for a long time. Im the only one in the family that refused to have a tracker put in my phone. Everyone tracks everyone else all the fucking time.

>>47696091
might I ask what country you're from?

>>47696091
What the hell? This sounds like some kind of creepy cult lifestyle. Where the fuck do you live where this is remotely normal?
What am I even reading?

>>47696164
America, new england specifically but wont go farther than that.

>>47696091
I smell religion

>>47696210
That's wild. Sounds like your family has some kind of illegal activity going on If they're this paranoid.

>>47696389
again i never questioned it because of >>47695790
but i do realize im essentially fucked. Either be their bitch and wait for them to die to collect inheritance or GTFO and be forever poor.

>>47696514
You never take advice
Someday you'll pay the price, I know
I've seen it before, it happens all the time
You're closing the door, you leave the world behind
You're digging for gold, you're throwing away
A fortune in feelings, but someday you'll pay

>>47696514
You're 28 years old. The fact that you're still living with your parents and are financially reliant on them is weird by itself even when you remove the tracking shit from the scenario.
Normal 28 year olds are already into a career and living in their own house. Your life is already fucked six ways to sunday

>>47696793
housing market is that fucked. I cant really get a job anywhere else because i have fuckign narcolepsy and ive been fired from like 3 retail stores because i move so damn slow from being sleepy all time i just underperform. Only reason ive been able to keep my job where i work at now (entry level tech for cadillac) is because loud fucking noises keep me awake.

>>47695284
It's funny because my situation is the opposite. Almost as soon as she could, my mother gave me her bank password and left me in charge of her account because she's too much of a boomer to bother understanding how the bank's website works.

>>47693219
Its a donation first and foremost the message is secondary

>>47693219
Is OP a risuner or are they just using the reaction pic? Who is your oshi?

>>47696726
As much as I'd liked to encourage you to take the red pill and live like a wild man, your parents clearly love you, even if they have no respect for personal boundaries, or believe in no secrecy with in the family.
They can see the msg what was sent btw...
You need to learn the difference between being rich and being wealthly. You cant put a price on Freedom, love em or hate em, you only get one of them.
Best thing to do imo is be poor... ether financial or emotional maybe git gud at being neither.

>>47697291
This is my oshi. I liked risu before but not as much these days.

>>47697368
... who da

>>47697572
Yurikago Kokone, from V&U. /vnug/ is the thread where you would find her.

>>47693219
You can either move out or deal with your parents being right.

>>47697368
I swear I've got a sixth sense for your incest fueled sapling molesting faggotry by now. You REALLY gotta stop sharing this shit, how much money have you given to chuubas at this point? Have you done your taxes? Have you got a stable income?

How hard is it to fucking open a new bank account that your parents are not aware of?

>>47697753
Also want to add: I make 6 figures & not once have I spent money on a chuuba aside from internet fees to my ISP & electricity for my computer lol

Spending money on something you can get for free is retarded.

>>47697733
>spoiler
Fuck am i really that obvious?

anyway to answer your questions
>not much, i spend way more at anime conventions
>My brother does them for me every year. Major in fanance is nice
>Yes? I dont spend money on anything besides rent, gas, and average $15 a month on supas to kokone. My savings is in fact increasing steadily.

>>47698030
eating mike tysons ass any time soon?

>>47698146
Take up drinking smoking, just to rub the salt in

>>47695284
average hololive watcher

>>47698398
too much money, i swore never to drink alcohol of any kind and never to do drugs or smoke. Narco is bad enough I dont wanna fuck up my body even more.

>>47698543
I dont watch fucking hololive. Read the damn thread my oshi is a 2 view

>>47698146
anon, I'm really having trouble understanding how you can be doing good financially, recieve a constant flow of revenue (6 figures according to you), while still living with your parents. Even with the housing market being as fucked as it is right now, it sounds like you've had a bit of time to get on your way. I feel like you're either being held financially hostage or there's a detail that you've yet to disclose.

>>47698691
i never said i make 6 figures, i fucking wish i made half that money. No i barely make above minimum wage. Auto seems like a dead end or at least the current company I work for.

>>47698759
So this was not you and was just someone bullshitting? >>47698030 Do you have shit like a budget? If you don't mind the inquiry, what's in your savings account?

>>47698905
yeah that was someone else. Ill say its roughly 50k

>>47699000
and all of that is YOUR money? Money that you've earned and can theoretically pull out of savings immediately?

>>47699078
yes. but again the US housing market is shit and nothing costs less than 300k in my area.

>>47693219
… how do your parents even know that you’re donating to vtubers? Did you bring it up or are you spending their money?
In any case, I guess I’m also a boomer even though I’m not even thirty because I’d have to side with your parents. Donating to vtubers is a complete waste of money. I’m a vtuber myself and agree with your parents.

Donations, especially those to vtubers who already get paid to do what they do, are there to take advantage of people who want the streamer to give one of their messages their undivided attention. It’s not exactly a scam, but it is very exploitative. You can enjoy vtubers just fine without ever giving us a cent.
Plus, come on man. How does it even make sense to donate money to people who are undoubtedly wealthier than you? If you’re living in your childhood bedroom you’re probably not in a position to be a patron of the arts right now.

>>47699585
i spend my own money, they get the credit card statements that lists all my purchases. So they see google $2 or whatever it is.

>>47699676
Why do they have so much control over your finances?

>>47699743
family plan that nobody ever questioned. Plus i live in their house so unless i want to be kicked out i have to listen to them. read the thread if you want, its all sorts of fucked.

My man is Carrie White..

Are zoomers just not aware of the concept of prepaid credit cards you can buy at a store? You can pay for them with cash, used them all the time as a teenager and while at college when my parents could see my bank account still, still see them sometimes at supermarkets.

>>47699899
The best advice I can give you is to find a better job and look into living on your own. I really don’t think you should be ashamed of yourself for still living there at your age, honestly, but I do think that you need to be honest with yourself about whether or not you’re still happy living there. I get the impression you’ve let this dynamic you have with your parents convince you that there is nothing better for you in life out there, and that just isn’t true.
You need to do something to advance your career. I’m just a little younger than you and also poor, but I know for a fact I’m not gonna get any richer by continuing to work dead-end jobs. There’s got to be something you can do for yourself to advance your career. You could also look into renting with a roommate, but I don’t fault you for discounting that.
In any case, you need to start planning for a future that doesn’t see you walking on eggshells around your parents every day. That’s no way to live.

>>47700494
Welding is the other job i had in mind, learned it a lot during auto school and it was pretty cool.
I have friends i can bunk with if absolutely necessary.

>>47700196
Is 28 considered a zoomer?

>>47701198
You can make it happen man. Welding is pretty good money. I’m unironically praying for your success.
The situation you’re in is all too common and no fun for anybody involved. I bet your relationship with your folks will improve once you get out of that house.

>>47693219
Here's your (you)

It is a scam, you should listen to your parents. You need the money more than the rich anime e-girl does, especially considering how much of it gets taken by youtube and her corpo.

>>47693219
cousin fucking risuner is here.

>>47703378
congrats your the second person to figure that out.
>>47703082
Thank you anon. feelsgoodman

>>47693219
Say you're a regular at a strip club.

Mommy!!! it's him again!!!

>>47703378
qrd? Sounds spicy.

>>47703627
did you miss me?

>>47693219
Like throwing money to dancing whores at a night club

>>47703450
You’re welcome! I already post on /adv/ whenever I visit 4chan anyways; might as well bring that posting persona here too when it’s appropriate.

>>47703673
just ask the man, he is here and loves the attention.

>>47703683
AUNTIE RISUNER PLEASE DONT HURT ME!

>>47704075
dear sapling. I never want to hurt you. I want to love you and cuddle with you. Im a nice guy.

>>47703673
all there is to say is that i fucked my cousin for a decade and she taught me how to make love properly. Was great for when i got my first GF actually since her taking my virginity gave me prior experience. Yeah im a fucking degenerate.

Ah fuck not again

>>47704138
uuuuuuuu... stay awayyy!!!! ;~;

>>47704569
well ok. if you say so. i just wanted a hug but goodbye saplings

>>47704684
>>47704569
different sappy but I still like you auntie

>>47704684
cmere risuner.

>>47704823
who the fuck are you
>>47704786
I LIKE YOU TOO!

>>47699282
Go work on a oil rig for a few years and go buy a house wherever the hell you want.

>>47704883
Your worst nightmare.

>>47705099
actually though? who TF is this character?

>>47693219
Superchats = Tipping with message

>>47693219
tips like for a street performer but it's online

>>47693219
Anons are right that it's "tipping with a message," but that doesn't fully capture what it is, nor is it likely to get them to understand and believe you. However, all the same concepts existed in the boomer era, just with different technology, so a ll you have to do is make an analogy.
>Okay, mom/dad.
>Imagine you go to some bar and they have an unknown band playing live music for free.
>They have a tip jar on the stage.
>It's completely optional, but you can throw a few bucks into the jar because you appreciate the band's music.
>It's just the internet age version of that, but it has some additional benefits.
>The main difference is that you also get to attach a message to it as a form of audience participation.
>The band reads the messages in between songs. If there's not much to the message, they'll just thank you, but you can ask them questions, request songs. and if your message is comedic, they'll usually make a joke back at you.
>This part is basically the same thing as when the audience would send letters into David Letterman (or another boomer late night talk show host they know) and he'd make jokes about some of them in a segment for it.
>The band will try to read as many of the messages as possible without disrupting the flow of the show, but will prioritize messages attached to higher dollar amounts if there isn't time to read all of them.
>Many bands still actually take the time to read all of them after the show.
>You can technically yell at them from the crowd for free, but the odds that they're is going to hear you or be able to respond to you is comparatively very, very low, due to the number of people yelling, and time constraints.

Alternatively, it's not that different from a comedy club, either.
>Imagine a comedian has a tip jar on the stage while he does his act, and you get to attach a message to each tip you give.
>The comedian is reading the messages as he does the set, and there's a decent chance that he'll use your message to make a joke.
>Usually, people try to roast him, but they'll get roasted back themselves.
>Essentially, the audience gets to collectively participate in a form of low-commitment improv comedy as one half of a comedy duo, while the comedian does all the heavy lifting as the other half, and takes on the risk of bombing on-stage.
>By giving him material to work with, it keeps the show rolling, and the funnier and more involved the crowd is, the funnier the comedian can be.
It's clear that explaining superchats is not going to fix your living situation, but I hope this helps you somehow regardless.

>>47706946 (me)
Also, the comedian's show is free because enough people want to participate in the show that it's still profitable to let everyone in. The people who don't pay still spread word of mouth, which gets even more paying participants to come, creating a profitable cycle of business.

>>47693219
Don't listen to anyone telling you to explain it in some clever way. I know this type of parent. It will never work.
1. Drop the subject, stop it and never mention it again. Lay low for around a month, maybe more.
2. Eat out with friends a bunch. If you have no friends then coworkers.
3. Pay for the meal and say they can pay back with Venmo, since it's easier than splitting the check.
4. If asked by parents, just say you covered it/were paid back.
5. Transfer Venmo to PayPal.
6. Go from there.
This is how I made purchases before I became financially independent. It works as long as your rate of illicit spending is under a couple hundred a month on average and as long as your parents are not literally auditing each cent. If they're actually fucking accountants then you have to listen to the people telling you to gtfo of your parents' house somehow.

OP here. Ive got it all sorted out. I explained it and while they still dont really approve, they will still let me do it as long as i watch myself. I really should superchat much less anyway which i will do but I still want to support my oshi. Thanks everyone for the advice i appreciate it.

Compare it to throwing money into the hat of a busker on the side walk.

>>47705018
Unironically good advice.

>>47707646
I'm glad you got things to calm down for the moment, but don't get comfortable. You really, really, fucking REALLY need to separate your finances and get the hell out of there.

>>47695917
Why the fuck would parent charging you rent, your parent a burger? I thought you were asian.

>>47707826
50k in life savings, average housing in MA is half a million.
>>47707944
I said before im a birger and so are my parents (well actually they were portuguese before immigrating if that matters)

>>47707571
you sound like the type of person that would murder your parents if they try to send you to therapy and cut you off from sending their money to your imaginary girlfriend

>>47699282
I'm serious here: Go join the Air Force or at worst Navy for a rate with Top Secret clearance, use the VA Loan to secure a cheap house, and you can either do your 20 years and retire comfortably or do your 4 to 6 year contract, then get out and work for the government. That's the only way you can get away from this bullshit. Also no matter how shit your job is please keep in mind that the juice is worth the squeeze at the end.

>>47699282
You refuse to rent?

>>47708454
You think someone with narcolepsy could get through basic training?
>>47708513
No but i just know that buying something all at once means i dont have to pay interest. At least thats what i was told.

>>47708936
That's a mortgage. I meant rent an apartment.

>>47696091
Here's a serious answer for you OP. If I was you, I would move my savings into a new bank account under my own name and email and shut the old one under her email down once it was drained of money (ideally a different bank too, and tell them not to allow your mom to access it)

if she complains tell her you're an adult and your finances are your business and no one else's

Honestly the fact that you haven't considered it is a little bit bizarre considering how your parents have been stalking your financial transactions

>>47709435
like i said before, my older brother is 31, married, has his own house with my niece and their dog and has a major in finance. He never seemed bothered by it so I just assumed it was normal. Is he a bigger retard then me?

>>47709344
As much as i like the idea, renting it means that i would be spending a lot more on rent than i am currently and i would never own that apartment so i just see it as wasting money, if that makes sense.

>>47709716
unironically yes
The moment I could legally hold my own bank account without it being attached to my parents I got my own and moved my money into it. My parents helped me do it too cause they're not controlling freaks

>>47696381
There's always that one atheist guy

>>47693219
You don't
You already fucked up for getting into that kind of situation
Honestly you should only superchat if you have a job and live alone, at least you only have yourself to blame when you realize you wasted money on nothing instead of only buying merch and no one else will know about it

>>47693219
they shouldnt give a shit and you shouldnt either unless youre using their money and not yours, in which case it is their moral duty to beat you with a thin reed until you get a fucking job or at least some govt tendies.

>>47695284
You’re a 28 year old man bitching about your parents. Do you not see how embarrassing this is? Why not try explaining to your parents that autonomy is important to you? If that’s hard then try negotiating a way to pay your share of the rent so you can buy your autonomy. These types of parents will make you dependent on them until the day you die so they can control you.

>>47708076
>50k in life savings
You're already off to a better start than the vast majority of millenials and zoomers. Still, I know things are really bad, as far as housing. Unfortunately, I don't have much first-hand experience in this area, but I'm aware that there are still moves you can make. Absolutely none of this is financial advice, and you should research and verify all of it yourself, because as I said, I don't know shit, and am mostly going from years old second-hand memories.

If you're set on a home, FHA Loans (Federal Housing Administration Loans) are an assistance for first time homebuyers, and can get you a very low down payment on a house, though they're not good for everyone's financial situation. Look into these. Whatever the case, to get an FHA loan, or any loan, you'll still need a source of income, so that comes first. You said you've been fired from jobs because of narcolepsy, but could you work a job where you get to set your own hours, or work from home? You're not going to bankrupt yourself if you have a low down payment, but you also might have to leave MA, depending on what's available where, how soon you need out (asap), and your credit.

Do you have a credit score? This is important, because it affects your ability to borrow, such as for a home loan. If your credit score is below 580, an FHA Loan would get you a down payment on 10%, which would mean $50,000 for a $500,000 house, and that doesn't include numerous other associated costs. If your credit score is 580+, you can get a down payment of 3.5%, which means $17,500 for a $500,000 home. If you don't have a credit score, or have a low score, there are guides on YouTube on how to build credit without spending anything. Generally speaking, you'd start by getting something called a secured credit card. If it comes up, the idea that you have to spend money or keep a balance on the card to build credit is a myth. From there, the strategy would be to save money while building credit over the next several months as you look for a house.

You'll no doubt have to play it very hard but very safe for a while. Look into guides on FIRE (Financially Independent, Retired Early) and see if you want to do that. I know I mentioned YouTube before, but be careful with that, since MOST financial YouTubers turn out to be con men, giving legitimate advice mixed with some kind of ponzi scheme.
>>47709716
YES. It doesn't matter who your parents are. They're people, and even the best people can become greedy or desperate, depending on circumstances. My parents were similar to, and only a little less fucked than, yours.

>>47712695
>Do you not see how embarrassing this is?
See pic related. It's the norm at the moment. The combination of covid's economic impact plus the housing market bubble has utterly fucked young adults trying to get out of their parents' homes. If you managed it, consider yourself lucky to have had the knowledge and circumstances to do so.
>pay your share of the rent so you can buy your autonomy.
Fuck no. He shouldn't validate the idea that his autonomy is something to be bought.
>These types of parents will make you dependent on them until the day you die so they can control you.
This part is absolutely correct.

>>47695284
Dude, you're fucking 28. Just make another back account.

>>47693219
mom i like girls

>>47693219
I'm not gonna shame you for living with your parents because holy shit rent practically doubled in the past few years.
But I am gonna shame you for not having your own income.
Using daddy's money on superchats is not based anon.

>>47695284
Anon I had my own email since I was 15 and my own bank account since I was 18, both separated from my parents. And I still live with them.

Are you sure your parents are not... you know...

>>47693219
uuu hello again auntie risuner! We got married/engaged or something a few months ago.
Honestly, they're boomer adults. Theyre just as stubborn as any other adult.
If you want to take control of your finances, it's always a good time to get your own credit card and build your credit score, assuming you're responsible with your purchases. It's also a good excuse to get your parents off your back.
Personally, I think it's fine to live at home or nearby. Hell I can't wait to move back home after college. I love my family and I can save some $$$. I'll try my best to find work nearby, and I can help take care of my aging parents and other siblings. I've given up any dream of owning a home in the USA.
If you really want to stay home, it's a great opportunity to get a degree or some vocational training nearby.
If you feel self conscious about not paying any sort of rent, maybe you could ask about pitching in to your family's mortgage (if you have one), and talk about future ownership.
blog post incoming
"Multigenerational homes" are pretty common outside of the US. I'm a 1st American (parents are from 3rd world) and that kinda rubbed off on me, the notion that you stay someone active in maintaining the househol. Absolutely not to the point of fully shared bank accounts though, fix that shit. My parents are getting old, I have special needs siblings, and we're ready to get through it as a family. It also doesn't hurt that the house is paid off, so I know I have somewhere to return to.
Also maybe phrase it like membership/subscription instead of donos, maybe that sounds better.

>>47709808
>anon is presented with a solution
>”nooo that’s spending money without getting something tangible for it”
Welcome to the real world you fucking manbaby. I’m guessing you’re not a fan of insurance either.