Financial Basics Every Sex Worker Should Know

Sex work and creating adult content like any other career, comes with financial responsibilities that can feel overwhelming if you don’t have the right tools. Unfortunately, most financial advice out there wasn’t written with sex workers in mind. That doesn’t mean you can’t build a system that works for you.

Here are some financial basics every sex worker and adult content creator should know to protect your income, your time, and your future.

1. Separate Your Business and Personal Money

Mixing everything together makes it harder to see how much you’re really earning and it can make tax season even more stressful. Open a dedicated checking account for your business income and expenses. Even if banks aren’t always sex work friendly, finding one that is (credit unions can be a good option) will save future you a lot of time and aggravation.

2. Keep Track of Your Income (All of It)

Whether your money comes from OnlyFans, clips, private sessions, or tips, it all counts as taxable income. Write it down, use a spreadsheet, or use software that fits your comfort level. Consistency matters more than complexity.

3. Don’t Sleep on Your Expenses

Did you know many of your work expenses are tax write-offs?
Costumes & makeup
Camera gear & lighting
Internet & website hosting
Travel & props (yes, even lube!)
A portion of your rent if you film at home

Keeping receipts and tracking these costs means you’ll owe less at tax time and keep more of what you earn.

4. Know Your Tax Obligations

In the U.S., sex workers and adult creators are usually considered self-employed. That means you’re responsible for paying your own income taxes and self-employment taxes. Setting aside 20–30% of each payment into a “tax savings” account will help you avoid surprises.

5. Build a Safety Net

Cash flow can be unpredictable in adult work. Platforms can shut down accounts, payments get delayed, or busy seasons come and go. Try to keep at least one month of living expenses saved up. Even a small emergency fund gives you breathing room and power.

6. Think About the Future (Yes, Retirement Too)

Retirement accounts aren’t just for office jobs. You can open a Roth IRA, or solo 401(k) as a self-employed worker. Contributing even a little bit adds up over time and builds long-term security.

7. Don’t Be Afraid to Ask for Help

Sex workers are often shut out of mainstream financial spaces, but that doesn’t mean you’re alone. Whether it’s a sex work friendly accountant, bookkeeper, or community support, having allies in your corner makes a huge difference.

Financial literacy is power. The more control and clarity you have about your money, the more freedom you have in your work and life.

At Ivory & Slate Consulting, we’re committed to giving sex workers and creators the tools, systems, and respect they deserve.

You deserve stability. You deserve clarity. You deserve a future that feels secure.