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“I try not to keep that much (cash) on hand so that I can afford to lose it,” says Mc Neill.
“I have a safe, it’s not a big one, I don’t want to keep around more than I can fit in that safe.” The sex work blog “good girls don’t” advises, “one thing you should invest in is a good fire-proof safe.” The post goes on to recommend, “Don’t hide cash in obvious places, like your mattress, the freezer, your toilet tank, and so on.
Things that so many people take for granted, from having a bank account to taking out a car loan, can be difficult and unnerving, if not outright impossible, propositions—and they often require guidance.
The most fundamental issue is how to deal with large amounts of cash, particularly in escorting.
“It’s that old principle of ‘only break one law at a time,'” said Mc Neill.
As a post on Sex Worker Helpfuls, which is re-blogged from another site, puts it, “You don’t want to get hit with a six figure bill and/or jail time at some point over the next few years because you weren’t doing your taxes.” The post goes on to detail necessary forms—1040 for an individual tax return, Schedule C for business income and 8829 for a home office deduction—and the need for income records.
“Nowadays, you strike up friendships on [message] boards and talk to each other.” It’s no wonder that finances attract special concern.
Kate D’Adamo, national policy advocate at The Sex Worker’s Project, says policies like Pay Pal’s further marginalize sex workers and push them into “more and more isolation and into more and more vulnerability.” She explains, “If someone knows you work in the sex trade, they know you probably have money in your house, so you’re that much more likely to get robbed,” she said.
“Having to be paid in cash because you can’t use Pay Pal means that you’re walking home at night or getting in a cab somewhere with five-hundred dollars on you.” And, of course, if a sex worker is robbed, he or she is likely less comfortable reporting it to police.
In 2014, Chase shut down the accounts of several high-profile porn performers, calling them “high risk.” The company denied that it was because of the nature of their professions, although many sex workers remain skeptical.
Credit card companies have limited how sex workers can spend their money, too: Last year, responding to threats made by Sheriff Tom Dart of Cooks County, Illinois, Visa and Master Card stopped processing payments for adult ads posted to the classified site