MONEY DIARIES: Owning It On OnlyFans!

Hello, my name's Santasha Nabananga Bamblet. I'm a proud your the Order Kerni Whoalbury and a waddery woman. And before we get started on She's on the Money podcast, I would like to acknowledge the traditional custodians of the land of which this podcast is recorded on a wondery country, acknowledging the elders, the ancestors and the next generation coming through.

Let's get into it.

She's on the Money, She's on the Money.

Hello, and welcome to She's the Podcast Millennials who want financial freedom. Welcome back to another shot back money Dairy Monday, where we get to chat to one of our beautiful community members to learn all about them and their finances and all of the other fun bits as well. Victoria, Hello today, I've got a fun one.

Oh who would have thought? Yess I know. Let me tell you all about her.

So our diarist says, I'm a single mum who has bought a house, an investment property and a landover all within twelve months. Without help or relying on child support.

What.

I come from a corporate banking background and was super unhappy in my marriage, so I left. I had no idea how I'd pay for anything, and restarted my life at twenty nine with sixty dollars in my bank account. I had a girlfriend who was doing OnlyFans, and so I began doing it too. I made four hundred thousand dollars in the past twelve months.

What a queen money diarist. Welcome to the show. I feel like we've been talking about only fans a lot on the podjasts, like we're not sponsored by them. We just happened to have a fair few life making bank in our community on it.

Thanks for having me. I actually came across your podcast because I searched only Fans in Spotify, just wanting to hear some episode, just learn more about only just content.

Yeah, and I think at.

The time you just had done an episode on somebody who was doing only fans as well. I listened to that, and then I became hooked on She's on the Money podcast, which I guess was the big start of my money journey.

Oh my god, how exciting. Well, welcome to the show. And I'm glad that you're in our community. I want to know so much about your situation. It sounds like you're an actual hustler. But as always, we have to start with the structured questions or Jess might get me. So I want to know. Can you tell us a little bit about your money story?

So my money story? I want to necessarily say that I'm driven by money or that money is a priority for me. However, stability and structure is really important to me as a single mom. I didn't have that growing up, and as a single mom, I realized quite quickly that money was going to be the tool that would achieve that for not only me, but for my kids as well.

Oh my gosh, so you are twenty nine and you have two kids? Is that right?

I was twenty nine when I first started OnlyFans. I'm thirty two now and I have two kids.

Yes, how exciting? All right? I want to know what do you do for work and how much money do you earn?

I am a full time OnlyFans creator and last financial year I sold over four hundred thousand dollars worth of nude content.

Oh get it, queen. I want to know though, all right, let's break it down. So a few people have messaged me off the back of a few of our other OnlyFans content episodes and they're like, well, how does it actually work? So can you break down how you generate income? Because you don't just chuck up a nude picture someone buys it, right, That's not how it works. So can you explain how it works and then how you utilize it? Because I think that lots of different people do lots of different things.

Absolutely, So the way I like to explain OnlyFans is it's like Instagram, but for nudity. So it costs people to follow or subscribe to me, so that's one avenue. I make money from a subscription price, and then I charge people to talk to me, so that's another avenue. And then I will make videos either of myself or with co stars, and then I sell that, so that's three different streams of income. I'll also have campaigns where I want to buy this toy or this set of

Yeah, because I think a lot of people extrapolated out and go, all right, well, if she's earn four hundred grand, that must mean she has you know, if you charged a dollar per subscriber, four hundred thousand subscribers. But that's not exactly how it works, is it.

That's right, So on my page, it's like a girlfriend experience. So I'm very close with my subscribers. I've actually got quite a low number of subscribers, but the people that I have on my page spend a significant amount compared to a lot of other girls that will have one hundred thousand, but they're only spending a couple of dollars if that makes sense.

No, it makes absolute sense. I'm so pervy on this because I'm like, how, where, why? What does that mean? What does that looks? So thank you for sharing. I want to know, though, what is your big money goal? What are you currently working towards?

So I'm actually really excited that my big money goal since I was nineteen was to buy a house and to do it all on my own, have it just in my name, and that, I guess became even more important to me when I became a single mum, and that's why I came into this industry. I was like, I'm going to hustle so high and to buy a house like that would be amazing if I could do that one day. And I actually did that in December of last year. And now I'm like, Okay, what's next.

At forty Oh my gosh. And all of these happened straight after you were like, you know what, I've got sixty bucks in my bank account. I have no idea what to do. I saw a friend doing this. Let's give it a hot crack.

Yeah. I have no experience in the industry. I'm just a mom from the suburbs. I do not look like a fallen star. I'd come from a banking background. I just looked at my kids. When my parents divorced. That was sort of the beginning of a long road of instability for me and my siblings. I just looked at these two beautiful little kids and I was like, I'm not going to let them down for anyone or for anything. I don't care what society says. I'm doing this for

That is actually really cool. I am so proud of you, like getting it and doing it like h and you just look so happy about what you're able to provide your family with, Like it's just so cool. All right. I want to know we know about the investment property. Do you have any other investments.

I put money away into Super. I've played around with shares and crypto a little bit. However, it doesn't really fit into my risk appetite because I am so health bent when having everything safe and secure. I think it's a really great option, but not for me, so most of my investments are around SUPER, which I know is shares and property.

But it does make a lot of sense if you're saying I want to retire by forty to prioritize investments outside of superannuation, because if you retire at forty, you can't actually access superannuation until retirement, which in Australia is sixty five, So that doesn't really work with the strategy you're implementing.

Does it exactly? Yeah?

All right. Next question, I want to know do you have any debts? If so, how much are they?

I have my mortgage at the moment, I owe it's two hundred and twenty thousand.

Oh, that's not too bad. What did you purchase your house for?

I purchased it for two hundred and seventy thousand. I was really really lucky to get in a great point in time. And now I've got yeah, oh about two hundred and twenty and it's worth about three hundred and twenty, so it's gone up significantly. What's that fifty thousand in dis six months?

That is very good turnaround? So you're making money basically everywhere at the moment.

How good trying to Yeah, I just want to make Hay well.

Sunshine's important. Next question, do you use shop back? Yes, I've got the chrome the chrome extension. Yes, that's how I do it. Otherwise I miss out.

I'm so busy. I want to use something if it's not convenient to me, and having the chrome extension is so convenient, and I don't think a lot of people realize how shot back is. It's things that you usually buy.

Anyway, exactly what was the last thing you bought?

Gob Stoppers?

Oh that is not what I was expecting. Honestly, after you said things I usually buy, I thought you were going to say groceries. You're like, yep, gobstoppers. What.

I couldn't find them in the shop. My son has been hounding me for them. He just wants Gobstoppers. And I was like, I'll just see if I can find them and then I don't have to go around the shop. So I just ordered them online.

So money when all right? Next question, I want to know what is your best money habit.

My best money habit is when I have a goal, I get obsessed with it. So when I bought this house, I didn't have a deposit. I just put an offer on a house and called my brake. I was like, I've just bought a house. He's like, why why did you do that? Where are you getting the Was it from? How much I need? And I'll do it? And I was really lucky. I saved forty two thousand in it was about six to eight weeks.

Oh my gosh.

And yeah, because I knew i'd do it. I knew if I had a goal, I would be able to hit it.

Yeah.

And with my investment property, I was supposed to be using the equity for my property to buy this one.

Yeah.

And my broker said throughout the bank's actually not going to let you do that. You need to come up with a seventy thousand dollars deposit my settlement which is in four weeks. And he was like, I can get you out of the contract.

And I was like, no, no, no, it's okay, Oh you can make it.

I'll find seventy thousand and four weeks. And my poor broker, he's like, what are you doing? But when I have a goal, I just get obsessed with it and I can't handle the thought of not reaching my goal. I know that that works for me, So that's kind of how I structure things, which probably isn't great financial advice, but I know that's what works for me.

No, and that's what we want to hear. I don't want to hear what is quote great financial advice. Actually just want to hear what works for you guys. And it's always different, like when we do these money diaries, asking people what their best money habit is is always so diverse, and I end up one with heaps of

So on the flip side, if I don't have a goal, I'm not very good at saving money, Like I could have been saving money this whole time to go towards my deposit, and I haven't. I don't spend a lot. I don't have designer items or anything like that. But I'm really big on experiences, so I'll say to the kids. I'll be like, let's go pack a bag. We'll go, say at a hotel for a weekend, or go down south or this income that I can sort of dispense because I don't have a goal, which is not like

Hey, that's all right, I want to know next question last before we go to a quick break. Is how would you grade your money habits if we forced you to give yourself a grade?

I think a B to C. I'm super proud of what I've achieved, but I could definitely be better with more focus air pic.

All right, let's go to a quick break, and then I want to dive into the nitty gritty. Don't go anywhere. All right, money diarist, we are back, and I have so many questions, but we're going to start the questions. Before you were in the sex industry, what were you doing? So you were a mum, you were married, What were you doing for work? How did all of that work?

Like?

How did you generat income?

So I worked as a corporate banker. I started working banking at seventeen, and I I was going to do it for a couple of years and then go traveling, but I ended up saying that and it was good. I always had enough money, but I never had any extra money, and it became a little bit more difficult once I got married. So I got married at twenty two, way too young now that I think back on it. We just had very different attitudes to money, which is not my fault, and it's not his fault, it was

So how much were you actually earning as a bank what were you going in corporate banking?

I was on just over one hundred thousand a year. Good cash, it was, but I don't know where it all went. Like I never seemed to be able to go out for lunch or dinner or anything like that. And I think it was because I had extra people to pay for and take care of, whereas once I separated, it was just me and the two kids. I didn't have to worry about. Oh, Like I thought I had

Yeah, No, that makes a lot of sense.

So it sounds like maybe you were not super on top of your cash flow at the time. How did you find going from you know, one hundred thousand dollars, which is still a very good income, but how did you find going from that to earning you know, in the multiples of hundreds? You've said, you know, throughout your questions earlier, you were talking about your risk appetite and

So I'm really lucky that from my banking experience I know a little bit. However, I do enlist the help of professionals. So I have an investment strategist, I have a book keeper, and I have an accountant. Because even though I think I know a lot, I also didn't go to university to study any of this, and they did. So I'm happy to hand the reins over to them. They do the things that they're the experts in, and I'll do the things that I'm the expert in, which is running my business.

Yeah.

And was they're a learning curve for you jumping from the lower to the higher income.

Yes, So the first thing I learned was just how useless, I am.

I was.

I can do my own bookkeeping and my own tact return. No I cannot. I just I do know what I'm doing with numbers. But when I had to look at company structures and things like that, it just became a smart iday to hand over to someone who knew what they were doing inside and out, not just me trying to do the best I could.

And that makes sense, And it's funny because I'm obviously really into finance, love it, but I don't do any of my own bookkeeping. And I don't because I want to outsource it to a professional who has the time, energy and effort to stay up to date on tax law and superannuation and what's going on and making sure

Yeah, you do what you do best, and they do what they do best. Yeah, exactly as soon as I could afford it.

I feel like it's an interesting concept though, because so many people, even once they do start generating money, they just throw an outsource because they're like, oh, it's a waste of money. I can do it myself. But it's such a mindset shift. I want to know a bit more about OnlyFans.

Right.

Obviously it's in an industry that is heavily clouded by a lot of judgment, which is obviously not necessary. But making that decision as a young mum, how did you go? All Right, I'm going to give this a crack, because I feel like it's a massive jump to go from corporate banking into the sex industry and go, you know what, I'll just give it a hot crack.

Yeah. I didn't intend to do it long term. I thought I was just going to do it for a month or so. I was going to be anonymous, clear some bills, and then move on with my life. However, once I guess that money started rolling in and I was also doxed, so I was outed. Very early on in my adult career. I had somebody contact my ex husband, my parents, my family. I had a girl subscribe to my only fans, screenshop everything, and send it around to all the school dads.

Oh that's horrendous.

Yeah.

I had pet police, our protection, everything. And it was a really hard time because I just felt like I was a like a fork in the road and I could either be like, hey, guys, I'm sorry, I should never have done this, or I could be like, you know what, I'm going to do this, and I'm going to do it for my kids. And I remember someone saying that, like, you are not attractive, you are fat, you don't know what you're doing. Do you honestly think you're going to

Ah, that's a good way to own it. It just it blows my mind that people can be so unkind. Instead of just like letting you do your thing over to the left and just going right, they choose to actively bring you down. But in reality, that probably gave you a whole hit more more publicity, and that's not a bad thing when we're trying to make bank.

Is that exactly? Yeah? I don't understand. I mean I I personally I am not going to go out and become a mechanic. But I don't have anything against someone who does go and become a mechanic. I'm not going to be like, you shouldn't do that, you're dirty and greasy or I don't know, something like who cares? It makes them happy. And I don't understand why it's not the same for people who are in the sex industry. People just seem to think that they get to have

Absolutely, and I just I believe so strongly that it's just your choice. Like, if that's the job you've chosen, great, Like you don't have to do it. I don't want to be a brain surgeon, so I'm not going to become one.

Yeah.

I think it's really interest and I think that you know this idea that you have to conform to other people's ideals. It's one wild, but two you just look at it and you just go all right. But that doesn't mean that I'm a bad person. I think there's this stereotype that if you're in the sex industry, it must be out of desperation, it must be that you're you know, on drugs or not doing the right thing,

Thank you. It's something I get really passionate about, and I do talk quite openly about the fact that I don't look like your typical porn style like I've got.

I mean, you're really pretty, you're really really pretty. So like, I mean, I can see how you made four hundred grand, like that makes sense, story checks out.

But I've got like sell your like so much, like what stretched And I've got that wobbly tummy because I've had pregnancies. My body didn't bounce back, which is fine. Before I started this job, I've never even been to a strip club. This isn't something that I was supposed to do, but it's something that I fell into. And now I'm like, while was I working at the bank, I should have imagined how far ahead I've been fed

Yeah, that is honestly. I love that you're just doing something that makes you happy and puts you in the best possible position, and that's nobody's place to judge. I want to know, though, what do your kids think you do for work?

They think I just work on the computer.

Yeah, good, nice.

When they get old enough. It's not something I'm ashamed about, and I'm really looking forward to having that conversation with them. When they're a bit older, but at the moment, they're not at an age were they to know what sex is or porn. Yeah, anything like that. I'm really careful to tell them, like they see that I'm working hard, and sometimes in the morning I'm like, I'm just really tired today. I set up to two am working, but I just paid your school fees in full for the

No, absolutely, it makes sense.

I mean, not that really fancy, but the fact that I can pay school fees in full is huge to me. And I want them to show, especially having boys, I want them to see that Mum was a single mum, Mum worked really hard, and mum put us through private schools by herself.

Yeah, and that is honestly something to be so proud of. Like how crazy Mum's putting both kids through private school all on our own. Yeah. I love that. It makes me so wildly happy to think that, Yeah, people are just doing their own thing and putting themselves in the best position.

Yeah, thank you.

Looking of the kids. How have you gone with the divorce? Does your ex partner contribute at all financially or are you completely doing this by yourself.

He does contribute financially now. That certainly started in the last few months. We owned a house, and when I left, I tried to have this conversation with him about how we're going to settle things financially, and he discerned about and he said, you're not seeing a scent. Oh my god, if you want to go down this road, i'll see you in court. And I just thought. I was like, I've got too much on my plate. I can't go to court, and I just let you keep it. You

That's incredible. You said earlier that when your parents divorced when you were young, that it was the start of a lot of instability for you going through the same experience yourself. What have you changed for your kids so that they don't feel the same way.

So when my parents separated I was ten, I ended up in a boarding school in the middle of nowhere at FDH, yeah, which I hated. And then I moved out on my own at sixteen. So I've been on my own from a really young age and I just sort of like bounced around. And my son actually asked me yesterday, He's like, how many houses have you lived in, mum? And I was like, I think about thirty. It was

Huler, Look what you're taught him.

So cool to see. At school, they just started doing like a banking system, and he said to me the other day, He's like, I think the teacher is going to put me in charge and I'll be the banker of the classroom. Oh my god, why did she He's going to chase you for that. And he's like, well, when the teacher put the banking system in place, I was the only one who asked about what the interest rate was going to be.

That's so good.

It's so cool. All these things I only learned in my from the age of twenty nine. And the kids are growing up with this knowledge. So I hope that by the time they're my aid, they'll have a lot more the more I do, because they've learned it from childhood.

Oh absolutely they will. And the reason they're doing that is because of you. And you're teaching them that, Like that is so wild. I heard you just mentioned Spriggy. Is that how you're teaching your kids about money? Like, how have you integrated them into this conversation because I feel like this is such a popular question in our community of all, you know, now we don't really exist in a cash society. How do you teach kids the value of money?

Yeah, so they've got this pretty app on both their iPads so they can see what their bank balance is. They don't get pocket money. If they want money, they have to come to me and say, hey, Mom, I want to earn money for Minecraft or Robucks or.

Whatever they're saving up for.

Yeah, and my youngest is written, I've got on the Fridgid list of jobs. Is that make moms bed three dollars? Vacuum floor fifty cents? Like none of the prices makes.

Sense, but that's all right.

Yeah, he's written up and he's done it all by himself, and he's like is this okay? And I'm like, yeah, great. So it's on the fridge and when they do a job or I just jump on my phone. I transferred across to their Spriaky account and they can see it on their iPads. And they both got little Star Wars bank cuts. They can go to the shops and spend money on. I try to let them make mistakes, so my youngest will always just want to go and buy lollies and like yet like the gob stoppers and things.

That is incredible. I love that so much. You sound like you are such a good mum.

I've got no idea if it's going to work out.

No, but it's more about the care and the love and the reason you do things right, like it's all about purpose. It's not necessarily right or wrong. There's actually no right or wrong when it comes to money stories and how people learn and what they should and shouldn't know. I mean, it seems like you've got a pretty straight down the line, I reckon, I hope.

So I just want to to input new generational money habits into my kids and then hopefully it'll start something. And not that I'm not. I don't really care if I'm rich or not. But I just want to be happy and the money that I've got can do things that make me happy. So it's just instilling those values into the gifts.

I love that.

Oh my gosh, what a special money, Darry. Thank you so much for sharing with us.

Thank you for having me.

No, of course, Well, Jess, unfortunately, I think that is all we have time for today. So can you wrap the boring but important stuff?

Absolutely don't forget guys. The advice shared on She's on the Money is general in nature and just not consider your individual circumstances. She's on the money exists purely for educational purposes and should not be relied upon to make

Always still feels like such a mouthful. To see you on Wednesday, guys.

Bye,