Submitted by greentea in Sex_Work

Hi Raddle :) I recently started doing sex work in order to have time and money to pursue my interests. I have gotten fairly substantial amounts of cash, which I've mostly deposited, but also realised that's probably risky in terms of (tax) authority scrutiny. I'm currently based in South Africa, so my situation could be different to other people here, but if anyone has any tips, precautionary tales or advice, I'd be really grateful. Thanks!



You must log in or register to comment.

An_Old_Big_Tree wrote

greentea I suspect most of the important info is location-based (like, at what point do deposits gain the attention of the South African govt's tax people) and so you're not going to have too much luck with getting answers here since only a tiny portion of raddlers live in sub-Saharan Africa, nevermind SA. I can speak to that relevant person there for you if you're not feeling up for it, because they'll know people who've had to think about these questions.

Anyway there are other sex workers on this site so they might still have stuff to say :)


orange wrote (edited )

Hello! In my own experience [Canada] I've only been scrutinized by the bank itself. I do my taxes and what-not as self-employed and everything has been fine from that end, no audits or anything worrying.

A while back, I was stupid and deposited 2 months worth of income at one time into my bank account and was pulled aside into a separate room to be questioned by bank management. I got out of it with half-truths but I've heard from friends before that they had the cops called then and there to check things out.

I would recommend depositing main living expenses in 2 week intervals (the cost of rent, bills, some savings), like a regular job would pay, and using your bank account to pay those things. Leave the rest of your cash on your person for other expenses (food, shopping, personal things, savings).

Ideally, the amount you deposit into your bank account for living expenses, and the amount you report for taxes, should be similar if not the same.


celebratedrecluse wrote

I would recommend that you file your taxes on anything that you deposit in your bank account, you can refer to this income as tips from your job which your employer did not include in your paycheck. It helps to have a steady stream of income from some direct deposit to launder this through. If you don't have that, perhaps a trusted friend does (I would recommend someone who you have a connection with that is not mediated by work, like an old friend you've known at least a few years to be a good person, who has a "day job")


BigThief wrote

This is useful for the US and it's territories.

You do not want to make any transaction over $9,999.99. Anything over that amount the bank is federally required to notify the IRS. However, this does not prevent the bank from contacting the IRS, ATF, or local police if they believe the funds are involved with any criminal enterprise. This is for both business and personal accounts.

  • I would open many accounts with different banks.
  • Use the cash and buy money orders to deposit.
  • Use the cash and buy gift cards to stores you frequent.
  • Use the cash and buy VISA, Mastercard, and Amex cards to pay for goods and services.
  • When you file your taxes declare the income and pay taxes on it. Unless you are talking about $250,000+ it is highly doubtful the IRS is going to contact local law enforcement.
  • I know people who run gambling games and they declare the income at the end of the year. They have done this for over a decade and have not had any investigations that were brought to their attention. It is a serious crime to not pay taxes. It is also one of the few crimes that most every country will deport you back to the US for.

masque wrote (edited )


In the US, deliberately keeping your deposits below $10000 to avoid reports is a crime called "structuring", even if the money is earned legally. Here's an article about how easy it would be to break this law by accident, and here is one case of exactly that happening.

Needless to say, since this is a crime, banks do specifically keep an eye out for this behaviour, so in the long run you will still attract suspicion, plus you'll be violating the classic rule "only commit one crime at a time."


shanc wrote

Does it really need to be desposited? Can it be kept in a safe? You will want to start thinking about home security, fire protection etc once you have a large amount of money in the house, but I'd say it's still safer than involving banks


celebratedrecluse wrote

Have them deposit for you, and declare on their taxes the income, your deposits will pay your share of the increased tax burden (keep track of your deposits and use a tax calculator website). Major payments that cannot be made in cash, like your rent etc, will be made from this account.

The reason it is really important to trust this person, is they could potentialy steal from you.


celebratedrecluse wrote

I highly recommend also keeping receipts of everything, write your own and keep any atm deposit reciepts, etc. If they try to steal from you, they'll definitely get away with it, but you'll catch on more quickly if you keep fastidious records and it'll set your mind at ease.


That_godman wrote

it depends on how much money your talking about, a few k a week? this is a feild i have a lot of knowledge in. I know cryptocurrines take alot of flak on but its honestly the easiest way to hide your money ..

cash>btc > coin mixer (it like washing the coins) > a coin called XMR > to a digtal currency market that dont ask question. If you are out of the USA then you can get a card called perfect money (sign up with fake deet and have the card mail to a drop ) .. there you can load the card when you need cash and pull from atm .

personally the way i make my money is threw cryptocurrencies and if you want to save them you can get a btc wallet on a usb stick ... put the stick in sandwhich bags , tape it up ... put it in a coffee can and bury it (mark the gps location for later ) . just gotta remember your password