Financial Confessional: I Used To Be An Escort

[Okay guys, this is a juicy one! Obviously not going to be for everyone, so if you’re already hating this and/or offended, please avert your eyes now and wait for our normal posts come Monday! There’s nothing graphic here, but of course it’s a post on having sex for money and will most definitely turn people off :) If you’re curious about other lifestyles though, and ever wondered how people end up down paths like these as well as how much they get paid (!), then keep reading as it’ll def. accomplish that.

As told by my friend Lance who volunteers his time working at local prisons. You might remember him from the first confessional we did on that guy who became a millionaire embezzling money from his company, only to eventually get caught in the end as well. Once again proving time and again how powerful money can be, for the better or the worse!]


My life radically changed one and a half years ago while a sophomore in college.

I was studying to get a communications degree in marketing and sales, but to be honest I wasn’t really sure what I wanted to do yet in life. I grew up in Riverside, California and moved to Colorado to go to school. Little did I know that one night and one conversation would change so much of my life.

I stopped working for $11 an hour at the school book store and started “working” for hundreds of dollars an hour… as an escort.

How It All Started

My friends and I would meet up at my house just off campus each Friday night after class. We would hang out and have dinner and then go out to dance and play. On occasion we would run into another group of girls and hang out together. They were a lot of fun and we all became friends. I noticed time and time again that one of the girls always had a new outfit and handbag.

I sat down next to her on the couch and joked around with her one night and said, “I want to go shopping with you sometime!”

She replied to me, “Let’s do it, I go every single week!”

“Your credit card bill must be insane!”

“No credit cards, no daddy, just cash,” she told me and off she went back to dance leaving me to wonder how she had so much money as a college student.

At the end of the night, as we headed home, I tried to catch up to her and asked her where she worked and she said, “All over the place.”

She smiled and got into the car with her friends. A little later that night she texted me and said to come by her place Sunday afternoon.

I showed up to her house and her roommates said that they thought she was still asleep. I went upstairs to her room and knocked on her door and actually woke her up. It was 3 p.m.

She sat up in bed and said that she had been working all night long and got home just after breakfast.

“So you work nights?” I asked.

She crawled out of bed and went over to her laptop and told me to come over.

“I made $2,100 last night,” she said.

She then pulled up a website and there she was in multiple selfies posing in lingerie and showing off her body and long blonde hair. She called herself Nickie in her ad and said that she was ready to help guys release the stress from their lives and could discretely make their worries disappear, or something to that manner. It said to call or text her, but no free pictures and no dirty talk.

She said she was strictly an escort and charged $200 for a half-hour or $300 for an hour for her “companionship.”

I was shocked.

“You’re a prostitute?” I remember questioning loudly.

“I’m an escort and I met up with three guys last night. Two businessmen in town at their hotels, and then stayed overnight with one of my regulars at his vacation home,” Nickie said. “I get $,1500 for staying overnight.”

She walked over to her drawer and opened it up and pulled out a pile of cash.

“That’s just last night; we should go and buy something.”

We went to Nordstrom (always my weakness) and she picked up a new Michael Kors hand bag.

Never In My Dreams

I left Nickie after we grabbed a bite to eat, and just sat there on my bed not being able to get our conversation out of my head. I remember thinking about all the money she had and how easy it seemed for her, but most of all how it didn’t seem to bother her at all. She made more in a night than I did part-time in months. I had bombarded her with questions while shopping and at dinner.

“How did you get into this?”

“How long have you been doing this?”

“Does anyone else know?”

“Aren’t you grossed out by the old guys?”

“Aren’t you scared when you show up?”

“Aren’t you afraid of picking up an STD?”

“Are you afraid of getting arrested?”

“How much money have you made?”

Nickie said that she had all the same questions as well. It was a former roommate of hers that introduced her to it when she was invited to go along as a second woman on a “date.”

She said that she had met up with dozens of men and even a few couples. She said at this point she had many regulars that she saw once a week or once a month. Most of them were businessmen who would text her during the day and ask if they could meet up on their way home from work. On occasion it was just a lonely guy who had no chance at bars. A quick rendezvous and she had a couple hundred bucks. Nickie figured she had made over six-figures the last two years.

Making the Jump

I didn’t get into it right away. My biggest concern was about who would be on the other side of the door. I didn’t want to go out one night and never be heard of ever again.

Nickie said that it was ultimately up to me who I would meet with and I could be independent or work with an agency.  She was independent, but got called all the time by agencies and pimps trying to get her to work for them. They promised her more money and a driver to take her around to clients while protecting her. She decided to go it alone after talking to others.

Nickie only met up with guys 40 and older. She said young guys are largely punks (and they are) whereas there are a lot of older guys who just need some company who are divorced or guys that just want a break from their life. She also said that there are tons of guys that travel into town for conventions and work that look for a quick hook-up while they are away from home.

After a couple more conversations with her I finally decided to give it a shot. I wanted to make thousands of dollars just like her.

My First Ad

I took so many pictures and spent so much time writing my first ad. I love taking pictures of myself, but it is awkward to take pictures half naked and then post them online. What if my mom saw it or my little brother? Even more awkward was trying to figure out a price of what your body is worth. I called myself Monica.

I got a burner phone and set up a message like Nickie had recommended “Hi boys, I’ve been waiting for your call, I’m excited to see you soon. Keep calling.” You can’t go and meet with clients and have your phone buzzing and ringing all night so I just tell them to keep calling and I can answer in between visits.

I quickly found out that guys don’t read the ads as much as they look at pictures. I changed my hair color to blonde because Nickie said that blondes generally can charge more money and they are in more demand. I put the same price as Nickie for my time with $200 for a half-hour and $300 for an hour. I also upsell them as well once I’m in the room with them, especially young guys.

I got arrested during a sting about seven months into it at a hotel because I got sloppy and didn’t verify a guy who said he was just in town on business. But stings don’t happen too often because police simply don’t have the time and resources to keep up. It’s just a class B misdemeanor for prostitution and a $1,000 fine, but when you make twice that on a Friday or Saturday night it’s not enough to stop the business.

The Tricks of the Trade

You can’t just call and show up and drop your pants. For some girls there is a two-step verification process to protect ourselves from psychos. We give you an address to show up to, and then once you arrive we give you the real address.

I prefer to only verify guys online or from references from other girls they have been with. Some guys freak out that we want their real name and where they work or even their LinkedIn profile, but we have to watch out for ourselves.

When you show up to our place that is called an “in” call. I used to do that for a while when I got my own apartment, but got tired of changing out the sheets four or five times a day and showering four or five times a day and doing my hair and makeup over and over again. I wasn’t making as much money working that way.

I found I made more money with less clients on “out” calls, which meant going to hotels where I could get bigger money and bigger tips or gifts from my regular clients. Business guys just had more money, and often wanted to spend less time together. They had no drama and didn’t cling to me, just sex and back out the door.

Some guys did request for me to show up to their house and I never like walking down the hall past the family pictures or seeing the happy couple’s pictures staring back at me right next to the bed, but it’s the man’s decision to cheat and not mine and I am not picky over money. It’s all cash in my hand at the end of the night.

My First Time

My first client was a divorced man in his 50’s. He was a lot older than anyone I had ever been with before. He called just an hour or so after I posted my first ad on (which has recently been shut down – like other national escort ads places), but there are plenty of other local sites to advertise, plus most of my business comes from regulars after a few months, so I didn’t need to always advertise. Some girls run their own escort web sites.

He called me and said he was in town on business for a few days and wanted me to come to his hotel downtown. He gave me some times to see what worked for me and I verified who he was online and I got ready and headed downtown. My heart pounded so hard after the phone call. Was I really going to go through with this? I nearly passed out from anxiety as I headed up the elevator. I walked down the hallway and stood in front of the door. I just stood there and couldn’t bring myself to knock on the door. Finally “Jim” opened the door without me knocking.

He was a quiet, balding man who looked older than my dad. He invited me in and I asked him where the money was at (Nickie always said to ask right away and if you didn’t see it to walk out). He pointed over by the TV and I went to count the money and there was $300 in twenties. I placed it in my bag and asked Jim to go get in the shower and to brush his teeth. That’s all I share about my first time or any other time other than most older guys are really hairy and kind of gross, but like Nickie mentioned they are more polite and respectful than younger guys. I can deal with a fatter bald guy than a total a-hole with rock hard abs. Like Nickie, I don’t meet with anyone younger than 40 anymore.

The Money

The money is amazing. It has to be for putting yourself through the mental and physical anguish a couple nights a week. I’ve never had so much money so fast. If it was harder to get, I would have quit a long time ago. I spent it just as fast I brought it in the first few months. I was in the mall a few times a week picking up anything I wanted. I splurged going on vacations and ski trips. I felt like I could do anything I wanted and that I deserved it because of what I had to go through to get it.

On occasion some men would ask for me to stay the weekend with them for a ski trip or work convention, and I would stay at the hotel and they would pay for spa and massages and I could order room service while they were off in their meetings. Sometimes they would leave cash to go shopping as well.

I charged thousands of dollars for a weekend getaway. Sometimes it was actually fun to go out of town and be treated well and come away with so much money. Sometimes it was boring as hell getting stuck with someone with no personality and pretending to like them for a few days, but the money made it tolerable. I dreaded going to dinner for their work parties because a barely 20 year old girl with an old guy makes people assume I was being paid to be there. And even though I was, I still didn’t like being dressed down by the other women.

The A-Holes

On occasion some men treat you like $hit. I’m not here to say that being an escort is an amazing job and everything goes great because it doesn’t. I know others who have been physically assaulted and come home with bruises everywhere. I’ve been lucky for the most part. But on occasion there are a-holes who think because they pay you they can do whatever they want to you and threaten to call the police if you don’t do what they want. I don’t have many bad experiences, but have been abused a few times, more emotionally and verbally than physically.

There are nights I have come back home wondering what I am doing and saying I’m never going to do it again. I didn’t want to do this forever and lately I find there are a lot more girls getting into the business which has created a lot of competition, at least in my area. Younger, taller and bigger boobs are tough to compete with. I’ve lost a few of my regulars who want to try someone new, and I’ve lost out on some other big money that used to come in each month too. The better the economy the more money there is to be made, especially in big cities, and the more folks are jumping in the escort business.

Tons of Fake Pictures Online / Girls That Rob

The interesting thing about the business of escorting is that most of the girls online are total fakes. If you see a super-hot girl in Denver, chances are that her pictures also show up on sites in Vegas, Austin, Oklahoma City, Atlanta, Chicago, Dallas and more.

Girls post hot pictures and often times someone else shows up. Bait and switch happens all the time, or the pictures are a few years old when they were 15-20 pounds lighter.

I mentioned upselling as well. Be aware that girls will come in and drop our clothes, and then tell you if you want more than a nice look you’re going to have to pay extra. We’re sales people, and if you want more then you have to pay for it.

Also be aware that you shouldn’t have any other cash lying around or a wallet in the open, because when you are told to get in the shower, that girl might just go through your room and clean it out and be out the door before you know it. I’ve had several guys tell me stories of them being ripped off. I don’t feel sorry for them, but it is what it is, we all take our chances with strangers.

I was flirty and pretended to like all the guys, but the sex is rarely good and I’ve had guys ask me to run away with them and tell me they are in love. Really? You don’t love me, you love my body, how can you love when you are likely cheating? I play along because I just care about your cash and not you. I am using you as well. Most of you are out of shape, old and not overly attractive, and yes you have money but besides that our relationship when you think about it is just ugly.

All in all I have over $35,000 saved in the bank. While I splurged the first few months, I started to get smart and save so I wouldn’t have to do this all through school. I liked the money, I liked the lifestyle when pampered, but it had to end at some point. I lose out on time with friends because the best nights for money are the weekends. I’d like to think I could have a normal relationship someday as well.

The Rest of the Story

“Monica” is currently out of the business and out of school, having just been released from prison (again) for prostitution, and this time cocaine distribution as well. (This is where I met her, since my wife and I work as volunteers in the prison system).

One client, who Monica wouldn’t get into details about, invited her to do cocaine with him. She had never done major drugs, and after more visits with this same client started offering cocaine to other clients as an upsell option. She was caught during a sting operation with police, and picked up her second misdemeanor charge of prostitution and a 2nd degree felony distribution charge for the cocaine. She was fined $3,500 and faced up to one-year in prison, but was released after 60 days.

Shortly upon her release, Monica moved into a house with two other women. After entering the house they were confronted by eight men, several of which pulled out guns and said they were taking them to Arizona “to work for them.” One of the women texted a friend and police arrived a few minutes later.

The men attempted to run away, and one of them fired off a shot as he ran out the door. The bullet missed everyone, but lodged into the drywall about a foot away from Monica.

She immediately went back to her place, packed up her things, and drove home to her parents where she is hoping to start her life completely over.

Lance is a former blogger who loves to talk about money, but hates running a blog. Every now and then he shoots me an article he thinks we’d like, and more often than not we publish it here :) Lance can be found on Twitter @Lance_Finance.

Past confessionals from our series:

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  1. Chris @ Flipping A Dollar June 30, 2017 at 5:26 AM

    Well that took an unfortunate turn at the end.

    1. J. Money June 30, 2017 at 6:32 AM

      I know, crazy right?! A whole other world out there :(

    2. Lance June 30, 2017 at 11:21 AM

      Not sure she would have changed her life without it. She told me she was done after prison and went right back to it. Takes a major jolt when you have an addiction or what could be perceived as an addiction (money or sex).

  2. Budget on a Stick June 30, 2017 at 7:13 AM

    That was incredibly interesting.

    Part of the reason the money is “so good” probably has to do with the plethora of risks involved. I’m sure in countries where prostitution is legal the people don’t make nearly has much but they probably are exponentially safer.

    I’m glad she has made it through ok, most don’t get to say that. Hopefully, she can find some rewarding job now.

    Thanks Lance! Keep them coming!

    1. J. Money June 30, 2017 at 7:52 AM

      Yeah exactly! More risk, more $$$$!

    2. Lance June 30, 2017 at 12:04 PM

      The average “career” isn’t very long. From what I was told there are a few that jump in and out but most don’t last beyond six months unless they have absolutely nothing else.

      1. Mistress Susan July 1, 2017 at 6:53 AM

        6 Months? That’s interesting. I would have thought this is something the women would do long term on a part-time basis.

  3. Lance @ My Strategic Dollar June 30, 2017 at 7:35 AM

    Wow! What a story. Definitely an unsafe way to make money and one that many people wouldn’t do because of the risks. Crazy he lengths people will go to to make money.

    Thanks for sharing.

    1. Lance June 30, 2017 at 11:20 AM

      Hmmmm…… that’s an intriguing idea. I have lots of stories, none of them mine, just experiences as an investigative reporter and prison volunteer.

  4. The Savvy Couple June 30, 2017 at 8:19 AM

    Crazy sad life to get involved with. Super interesting story though. Thanks for sharing.

  5. Evan June 30, 2017 at 8:27 AM

    It makes no sense to me that prostitution is illegal. It is 2 consenting adults agreeing to an otherwise legal action. It would provide safety to all parties involved and free up officer’s time

    1. Mr. 1500 June 30, 2017 at 11:07 AM

      Agreed. Bring it out into the open. Same thing with most drugs.

    2. Lance June 30, 2017 at 12:09 PM

      She always said in her online ads that she had to put that she was only being paid for her time and that anything that happened beyond that was just between consenting adults. Lots of gray area.

    3. Jason Butler June 30, 2017 at 4:47 PM

      Crazy story. While easy money, it usually always comes with a price. She’s lucky she didn’t get shot in the incident.

  6. Paul June 30, 2017 at 8:34 AM

    Man…….. the only thing my brain can come up with on this post is #DAT_ASSET

  7. Brian June 30, 2017 at 8:46 AM

    Crazy story. Taking a big risk for the love of stuff. Clothes and handbags were the initial lures.

    1. Lance June 30, 2017 at 12:10 PM

      Stuff or power, that’s how it always turns out from the folks I’ve dealt with in the prison system.

  8. Lily @ The Frugal Gene June 30, 2017 at 8:50 AM

    Holyyyyy… That ending is…

    In regards to Evan above me…yes 100% agree. If they filmed it then it’s pornography so then it’s entertainment and legal? But if not then it’s illegal? How does that make sense.

    What is the tax situation on this? $2000/night! If it’s just cash, what happens if they catch you? Back tax a ho?!

    1. J. Money June 30, 2017 at 10:06 AM

      Interesting! Never thought about the porn vs escorting angle, but I’m sure there’s a lot more to it than that :) I guess you can’t really pay taxes either on the $$$ can you, if you can’t show where it came from? Or do you lie and just put down “consulting?” No one ever knows what that means anyways, haha…

    2. JB June 30, 2017 at 11:19 AM

      LOL “Back tax a ho?!”

      1. James June 30, 2017 at 12:10 PM

        The IRS doesn’t care where you get your money as long as you pay tax on it.

  9. Mrs. Picky Pincher June 30, 2017 at 9:19 AM

    Oh shiiiiiiiz! Yeah, it’s definitely another world out there. The money is so alluring, but there are so many tradeoffs that, well… there’s a reason a lot of people *aren’t* escorts lol.

  10. Lisa O June 30, 2017 at 9:47 AM

    Wow all I can say is wow! I find this story so SAD for the girl who loved material stuff over her heart/soul/body. She sold herself for the almighty dollar and in the end had nothing to show but a record and I would assume a low self-esteem.

  11. Dads Dollars Debts June 30, 2017 at 9:56 AM

    Woah. That was intense J Money and thank you for sharing. I understand your hesitancy in publishing but I think the final paragraph takes away the glamour. There are a million ways to make money.

    It was actually a fortunate turn at the end. She got her life back together.

    Think what you may, if prostitution was legal there would be more enforcements and protection for women (and men) in this line of work. I know that may be controversial but it is true.

    1. J. Money June 30, 2017 at 10:10 AM

      Glad it’s being well received so far! Was def. nervous publishing it and held off for a while, but at the end of the day I figured if I found it interesting hopefully others will too. After all, I’ve got “sexy” in my blog name, if I can’t share it here, where can I?? ;)

      1. Lance June 30, 2017 at 11:00 AM

        Yeah, we’ve held this for a while, but we wouldn’t have had the finality of her story. When I sent it she was still in prison and the only way I found out about her conclusion was reading her story in the paper with the attempted kidnapping and shooting. My wife and I reached out to her and found out she was back home with her parents starting over. We wish her the best!

  12. Aileen June 30, 2017 at 10:27 AM

    Great read – I’ve met a few escorts and have always been so interested in their stories! It’s a crazy life with tons of money, but definitely not for the faint of heart.

    1. Lance June 30, 2017 at 12:14 PM

      I had no idea how big the business was and I’m not in a big state. It is everywhere and huge money. She said she knew girls who would go to the coasts or Vegas for the big money clients or travel to Sundance and other big profile celebrity events or business conferences to make tens of thousands in a few days.

  13. FullTimeFinance June 30, 2017 at 10:52 AM

    Thanks for sharing J Money. Its interesting and sad to read about these things. I’m glad she got things under control at the end. Like others I wonder if we make it worse by making prostitution illegal.

  14. Dave June 30, 2017 at 11:13 AM

    Thanks for sharing this story. I have met people from many different backgrounds in my life. Even in my extended family, I have relatives who went to Yale and others who went to jail. I try to not judge others because I have not walked in their shoes. Stories like this always seem to have the same tragic ending. It just makes me greatful for my dull life of watching tv with my wife and dog every evening.

    1. J. Money June 30, 2017 at 12:19 PM

      you and me both, brotha!

  15. Amber June 30, 2017 at 12:05 PM

    Wow J Money ain’t scared to take us to the dark side, WHOOP!! WHOOP! I loved this story, I hate what happened to her and appreciate her sharing her story. It just goes to show how hard it is to make money out here. She had $35,000 saved up, I’m struggling to get $3,500 saved up!! it’s a BITCH. I don’t look down on sex work at all and I really wish things had worked out better for her. Wishing her the best. Thanks for posting J!!!

    1. J. Money June 30, 2017 at 12:13 PM

      hah! I was def. scared to take us there, but fortunately Confident J. Money came out to play to finally hit the “publish” button ;)

  16. Primal Prosperity June 30, 2017 at 12:10 PM

    I’m glad you posted this, because I think it is an important topic. I agree with the others who mentioned making it legal. I think it would help keep everyone involved safer and it could be taxed.

    I used to know some girls from high school who were strippers. They used to have to really worry about their safety after a shift and many of them got into drugs, or blew their money on shopping and cars. One girl who I knew, was super thrifty though. She made her own clothes and drove around an old car. She socked away most of her money and was financially independent by 30 and then started an IT business. She HATED stripping and would have to have a few drinks before going on stage. I personally could never do it, but I don’t judge others. Another girl I knew actually seemed to like stripping… now she’s a cop… lol. I’ve heard stories about regular customers getting possessive and jealous about the girls and having multiple jobs to pay for their strip club visits. So, if this just the stripper world, I can only imagine how bad the prostitution world is.

    I used to bartend in college and on off through out my career. I’ve easily averaged $50/hour and that was just for the local neighborhood bars. In a big downtown club, I’m sure you can make soooo much more, especially for a hot girl who doesn’t mind dressing sleezy, uh, I mean sexy :) … and you would have a 3 foot bar counter separating you from the young a-holes. :).

    1. Lance June 30, 2017 at 12:19 PM

      Monica said there was a huge surge lately in strippers getting in to the escort business. A lot of them aren’t supposed to meet with guys who come in to the club, but would set up a side meeting at a hotel at another time. Said she lost quite a bit of business to the sudden surge of strippers. She also said there is a huge surge in “massage” parlors that have come in as a low price option that were taking away “lower end” clients. Sometimes it’s amazing to find out there is a completely different world out there that you had no idea was taking place, but is in almost every city and neighborhood.

      1. J. Money July 10, 2017 at 10:24 AM

        Same with the internet too! I don’t even dare go out looking for it either, haha…. whole other world.

  17. Money Under the Cushions June 30, 2017 at 12:33 PM

    I have to stop right no though I’m only half way through because I have to run errands. I am riveted by this first hand account. I’ll be finishing this when I get back later. She should write a book.

    1. J. Money July 10, 2017 at 10:25 AM

      The ending is the juiciest part! ;)

  18. Mark June 30, 2017 at 1:41 PM

    Wow that was incredibly interesting to read all the in-depth details (especially financial!). I’m glad to hear she’s out of the business. Great read!

  19. Mrs. BITA June 30, 2017 at 1:42 PM

    I don’t think prostitution should be illegal. Legalize it, bring it out of the shadows, make it safer for everyone involved. It is commonly referred to as the world’s oldest profession. That should tell us it isn’t going anywhere – we’re kidding ourselves if we think that the fact that it isn’t legal is ever going to make it not happen. Make it legal, mandate regular health check ups and tax the income!

  20. JT June 30, 2017 at 1:49 PM

    Very intriguing piece for sure. Great read and a fascinating first or I guess, second hand account. Maybe it’s just me, but having stashed away $35K seems pretty low if you are pulling down upwards of $2K a night/weekend. Clearly there were no financial advisers on her client roster (or maybe there were and their fees were higher than hers!). Strippers (I’ve known a few) and escorts…always broke because the lifestyle and fast money seems endless. Glad to see these ladies got out alive and physically well…although no doubt emotionally scarred.

    1. J. Money July 10, 2017 at 10:27 AM

      Yeah, I thought the $35k was low too. Probably seems higher for her though comparing to others she knows in the industry? Hopefully it all goes into investments for the next 30-40 years so it was all worth it in the end!

  21. Crystal June 30, 2017 at 2:36 PM

    Wowza. I was rooting for her to bank it all and start her post-college life with a great nest egg, lol. Anyway, thanks for posting this. Very interesting. Hope her new life is happy and less dramatic!

  22. Bela June 30, 2017 at 7:50 PM

    What a great, interesting story. I can’t help but think what she could have saved had she not been into the shopping at first! I can imagine that any other work she takes on in the future will always be something to compare to her escort days – and I bet not necessarily favorably.

    1. J. Money July 10, 2017 at 10:27 AM

      Good point :(

  23. FIRECracker July 1, 2017 at 11:30 AM

    Wow, both riveting and terrifying at the same time. This basically proves that there’s no such thing as easy money. There are downsides to everything.

    Thanks for sharing, J!

  24. Angie July 1, 2017 at 12:03 PM

    I live in Vegas. There are male escorts here that get $17,000 to $25,000 a week for their time when they travel with their clients. Yes…women hire escorts too.

    1. J. Money July 10, 2017 at 10:28 AM


      If you ever run into one of them tell them I want a guest post from them ;)

  25. Mrs. Enchumbao July 2, 2017 at 11:40 AM

    Glad to hear “Monica” is starting a new chapter in her life. I must say I am not surprised young women go this route, since at least they have some control over who they are with and can walk away with the money. If a client mistreats them, they never have to see him again, while with a pimp, they often don’t have a choice.

    While I don’t encourage this lifestyle/job for women, I think it’s a lot worse to be in a committed relationship with some jerk, who uses you for sex just the same, may be emotionally or physically abusive, but doesn’t even give you money or freedom to have a good life.

    Raised by single mother, I learned never to rely on men financially, so they could never hold that over my head in any circumstances. As a result, I worked harder than some girls, and even though I could have gone the route of using my looks to get a man to support me, I never did. Even today, happily married to Mr. Enchumbao, who’s not the kind of person to use money to control me, I still like that I bring in more than 50% of the income, and am a partner, not a dependent.

    So, my advice to women out there: while being an independent escort is better than being chained to a bad relationship, the best is making money on your own terms, slowly but surely, and using your brain, which doesn’t age as fast. :) I reached financial independence this year at the ripe age of 31, and the only credit I’ll give my hubby is that he was my partner in crime. If I chose, I could walk away with 50% of our combined assets today and it’d be all rightfully mine. Girl power!

    1. Cara July 3, 2017 at 9:18 AM

      I love his! Great example of how to have money and marriage without losing yourself :)

      1. Mrs. Enchumbao July 4, 2017 at 11:14 AM

        Cheers to that, Cara!

        1. J. Money July 10, 2017 at 10:29 AM

          LOVE LOVE LOVE!!

  26. Renee July 2, 2017 at 12:13 PM

    The part that gets me is that it’s going to be harder for her to get a good paying job in the future with her record. It’s going to be enticing for her to get back into the business because of this :(

  27. Mr. Tako July 3, 2017 at 6:01 AM

    Interesting story J$ and Lance. This one had it all — sex, drugs, and money! Thanks for sharing.

    I guess we all “sell ourselves” for money, but some people do it a bit more literally.

    It’s a shame that so many young women feel the need to make “fast” money this way. It’s a material world I guess.

  28. ZJ Thorne July 6, 2017 at 11:13 PM

    No judgment for commercial sex workers here. I find what I do for money distasteful, too.

    1. J. Money July 10, 2017 at 10:30 AM

      You can’t leave us hanging like that! What are you doing over there?? ;)

  29. Scott July 8, 2017 at 6:32 PM

    This sounds legit. I dated a stripper for about 5 years (really dated, not pay to date). She got into escorting and I left. She’s still escorting now, and looking kind of rough. She was never into drugs, but the crazy lifestyle ages people fast. I would visit her at the club sometimes, and she would pile mountains of cash up in front of me at my table, for me to watch over. Fun times that I wouldn’t trade for anything, but I’m glad I got out of the scene.

    1. J. Money July 10, 2017 at 10:30 AM

      Oh wow… I bet you have all kinds of stories over there!

  30. Brody July 16, 2017 at 3:34 AM

    I would be interested to know how this career pays in various states.. For example does the same appearing girl make as much in New York as say.. Nevada (where the practice is legal?)

    Granted you see documentaries here and there about the workers in Nevada, but I personally would find it interesting to see if there is a change in price depending on the change in supply and demand vs. Risk and allure..

    Too bad this profession isn’t on Glassdoor ;-)

    1. J. Money July 17, 2017 at 9:41 AM

      HAH! That would be something.

  31. theFIREstarter July 17, 2017 at 3:58 AM

    Such an interesting story this one J, thanks for having the balls to post it!

    I’m also very heartened by the non judgemental comments, I can only imagine the hand wringing, high and mighty, holier than though bloodbath that would ensue if this sort of thing were posted at the mail online or similar.


    1. J. Money July 17, 2017 at 9:42 AM

      I know!! What a great community we have here… I was certain we’d get some hate going on but so far so civil!

  32. Kat March 17, 2018 at 2:59 PM

    Great post! I’m an escort in Australia and I am forever grateful that the laws here mean that we are much safer, and our profession is seen as more legitimate than in countries where we are criminalised. I just want to add for the people reading this that while escorting may be fast money, it is certainly not ‘easy’ money, and there is a lot of work that goes on behind the scenes (admin, screening, marketing etc) before we make a dime, just like any other freelance business. Also, drugs aren’t necessarily part and parcel with the industry, despite what the media says.
    Thanks for discussing this with some level of respect, it’s more than most can manage.

    1. J. Money March 19, 2018 at 2:35 PM

      Glad you enjoyed this! Thanks for the insight!

  33. Katykat December 24, 2018 at 11:58 PM

    You know its articles like this that stigmatize escorts and sex workers even more then they already are. Not all escorts are like this and not all of them dont like being an escort,put themselves into dangerous situations for money ot just let it destroy their life in general. I am an escort and i love my job,and have definitely been doing it longer then 6 months but to say that that is because i “have nothing else”is absurd and incredibly offensive. Maybe instead of only talking an escort who got sent to prison, you should talk to some high class escorts stilm in the business because i promise you their story is not like this womans at all. I enjoy what i do, genuinely care about and appreciate my clients and am an intelligent, independent and financially independent young woman and im only 22 years old, so before posting stories like this and insinuating this is the only life sex workers could ever have you should try talking to more then just one escort and see how vastly different many of our experiences are compared to “monica”

    1. J. Money December 26, 2018 at 9:57 AM

      Yes, totally – would love to share other experiences in the industry! It definitely wasn’t our intention to put everyone in the same box here, so I’m sorry that it offended you :( It just happened to be the first account brought to us from the trade and so we shared it as I don’t have any other connections. If you know of any high class escorts willing to share the opposite of the coin here and divulge details please do send them over!

  34. Kristin February 14, 2019 at 7:16 AM

    Wow! I can completely understand the lure of doing escort work, and during my college days, I would have considered this. The way Monica explained, yes, there are the pros and cons of this, and you need to be very aware of the possible danger and go into it knowing that at some point, you will end up in a dangerous situation, so you need to be alert at all times, and have your phone, and your wits!

    Do I think it’s immoral? Idk, you gotta do what you gotta do. Is it smart? It can be, if you save the money and go in with the understanding that this is a very short-lived career, kind of like being an athlete. Actually, shorter than an athlete’s career!

    I would also say, avoid drugs! That’s just asking for it, and as it turned out, that was Monica’s downfall.

    Know yourself, and whether you have the self control and good judgment. And forget about it if you’re thin-skinned or very self-critical (as I was) You don’t want to develop or worsen any self esteem or self worth issues.