There was this kid I met through a findom website.  I say 'kid' but he was in his mid-20s and had served two tours of duty in the US Army.  He was a good kid -- but life had dealt him quite a few tough hands.  We chatted a bit and had a bit of a dynamic going on -- but nothing serious.  

One day we were chatting and came up with a new proposal.  I would take oversight of his finances, and use that to control him.  It was a fun prospect.   He found a website that could link to all his bank/credit/savings accounts and give a dashboard overview of all his spending and balances.  It was a 'read only' view: he could give me the password without allowing me to spend his money.

Quickly it became clear that his spending was chaotic.  He was a student and living quite modestly, but had no concept of controlling his spending, or making a budget.  So we went through and created a budget, designed to deliver a small surplus at the end of each month.  The deal would be that half of the surplus was due to be handed over to me, and the other half would go to his savings.

And so, day by day, week by week, I kept oversight of his spending, and made sure he stuck to the budget.  Spending that was out of line incurred a penalty -- an extra amount to be added to the amount owed to me.  When he broke down and paid other FinDoms, the penalty was that he had to add twice as much to his debt to me.  With regular contact, this started to fuck with his head.  Every frivolous expenditure made him feel like he was robbing me, because it reduced the monthly surplus.  He learned to visualise me every time he used his debit card.  He remarked on how invasive and taboo it was to have someone else looking at the intimate details of his bank account.  It was a very intense relationship for a while --- even though we only met once in this period (living on different continents).

The process worked, and he quickly understood how to set a budget, and how to keep to it.  I had no intention of actually taking a pay-out: he was living far too close to the edge for me to think that ethical.  But he believed that I would.  And that was enough.

After about six months, the arrangement came to a natural end with a change of circumstances.  His debt to me was quite significant.  At that point he figured out --- maybe he figured it out earlier --- that I wasn't going to collect there and then.   But the deal is that someday when he's a bit richer, he owes me a pair of Wesco boots.

The kid turned his finances around and now understands how to budget.  He even plays it forward and dominates other subs --- though I think he takes their money.  It was an intense, horny, satisfying experience with real power exchange, without any money changing hands.  Findom comes in many flavours.