Some save, some don't.  There are plenty of people who work high paying jobs all of their lives and manage to blow all of it before retiring into social security and menial jobs.

I recently saw a former provider working at a check out counter of a grocery store. She went off the radar about 8 years ago.  She'd over 50 now.
 I thought she'd have saved up enough to retire without having to do a minimum wage job. May be she does have a retirement income and is just supplementing it with working

You were "pinstriped" by a fat client and are pissed, but don't piss all over the place. Focus.

Oh good God.  Listen, don't worry about what other people do with their lives.  Worry about if you will be ok in retirement, not ex hookers.  She has a situation that is her business and no one else's.

Maybe she's using the grocery store as a front to solicit old guys like me.

LOL… I like it!

Posted By: 89Springer

Maybe she's using the grocery store as a front to solicit old guys like me.

One group spends their entire lives avoiding pussy and the other chases it constantly.  I once had a priest offer to kneel with me and recite some prayers.   I passed because I thought somehow while I went to kneel he would shove his cock in my mouth just as I recited the Hail Mary.  And the result of that Hail Mary would not led to a rousing victory like the quarterback for Boston College back in the 80s.  Back in the 80s I once had anal sex with a female athelete in 1988 it was the first time for me but not the first time for her.  As I slipped my dicked in the brown hole it was swallowed up like a refugee kid in a third world country eating a rib-eye steak.  Apparently eating too much red meat can cause a lack of erection or a too much of an erection.  Not sure there is such a thing as too much of an erection.  Because when I was in 7th grade I had to go to summer school for math.  And every day during class I would get an involuntary erection for no reason.  I mean the guy who taught the class was an old white guy with a beard.  And I wasn't interested in him or the subject material.  So not sure what caused the erection.  It could have been the math because later I went into finance which is math based.  So apparently Providers don't know math because if they did they would know that no guy wants to fuck a 60 year old hooker so they should invest like people in Old School Chicago voted (early and often).

I've thought and asked the same thing.

My dream job is to now the rough on a golf course. I'm too wound up, like an 8 day clock, to sit around and financially I'll have no problems so a low paying job is fine. Perhaps she is doing just fine financially and needs something to do. Perhaps she got used to the glamorous life and spent all her money. Either way, as it's been posted already, it's none of your business.  

unless I'm doing something wrong here...

If she worked for big retail store, like the Wegmans and Giant in DC area....

And unfortunately most people simply don't save anything.  Hence retiring is not an option.

You might want to ask someone who is knowledgeable to get you on the right track.

Those who come here looking to live the easy life, blowing thousands on bs and never saving to buy things like Real Estate, those who don't bother getting an education, etc. end up in a place I would never want to be. It seems pretty stupid to do what we do with the risks involved for years on end, NOT to get anywhere, but I've seen it play out hundreds of times. News Flash...some people are just dumb.  

I have been rejected by every insurance company possible CPA. I've also been rejected by tons of hospitals because of the insurance thing. I have been working on the Obama Care thing since it's come out. Know your facts before you call me lazy.

Perhaps retire is not the right word. I am closing this chapter of my life and starting a new one back in India. This business has been very good to me, and with some careful planning, is now allowing me to pursue other passions in life as a newly minted lawyer.
As they say – a goal is dream with a strategy

Hence when there's negative perceptions about the intelligence of women who do this, it still boggles my mind.

You make it so I don't have to settle for some broad that I could attract. And no one gets my pension or portfolio.

So true…it's all about getting your ducks in a row.  What is your degree in? I'm sure you have the perseverance to find someone to give you a chance.  You have the right attitude which in itself can work miracles.

Oh my!  50% to do what you're doing? That sounds crazy.  Getting some professional guidance sounds like the best course of action.

And yes, while we may have a very ludicrous salary, we have to "invest" in the future, have a 401K account, savings in the bank, property, education, a business etc... Providers retire when they have met most or all of the above. Others retire when they have another business venture that may produce them the equivalent or more money of what they are currently making. Or perhaps they get married and their husband takes care of them. But everyone retires for different reasons. I think that you can't be a provider for the rest of your life, specially when beauty and youth are the determining factors in this biz....In the case of the provider you mentioned, I really wouldn't be able to address her case, perhaps she is trying to collect the necessary quarters for her Social Security working at the grocery store?, perhaps she needs the benefits? each case is different...

Well, I guess I included taxes and having to live in hotels bc I can't get an apartment lol. FML

I've seen a couple or three "retire", and within six months to a year, they're back in business.  Whatever new interests they want to pursue don't work out quite as planned, some sort of unpredictable adverse circumstance occurs, and suddenly they need the bucks again, and relatively quickly.

Many providers "go dark" at a certain point--they might let their TER and other profiles lapse, take down their websites, and whatnot--yet they continue to see their established clients.

It concerns me a bit when I see a mature provider (or one who is "becoming mature") and I start to get the feeling that they're doing this out of a certain amount of duress or desperation--no savings, bankruptcies in their past, etc.  I thought the dream was supposed to be to do this for some sort of set amount of time, and eventually build a nest egg and be able to leave the biz, being relatively "set" for life.

For those old enough:  Remember the movie "Night Shift"?  Henry Winkler and Michael Keaton are a couple of schlubs working in the city Morgue who end up becoming "managers" of a bunch of women who have lost their previous manager.  The Winkler character is a real nerd, but also a financial whiz.  His pitch to get the ladies to work with them is to help manage their money along with managing their business.  He sets them up with medical and dental plans, retirement plans, and invests their money wisely.

When I see women who've been doing this for awhile who have nothing to show for it, there's some small part of me that wants to try to do the same thing.  Any provider I see regularly becomes a friend (of sorts)--I hate to think of them having to take crappy jobs after all those years of providing.

Then the reality check hits me, and I realize that as much as I'd like to help them, A) some of them just don't want to be "helped" even if my intentions are as pure as the driven snow, and B) I don't want to place myself in the jackpot of being accused of being a "pimp".

It's too bad, really.  Oh well..

I see more and more well known providers going UTR, semi retired and fully retired lately.

I did send you a PM...and based on your posts I am quite aware of the facts.

So the firms here in the States don't pay enough?  LOL

After all expenses and time spent screening, advertising etc its used to be about 100/h

Once it got down to less than that it was time to say sayonara

1h app't = 4 hours

1h spent on pre app't crap
1h to get to my app't
1h in app't
1h to get home

Like Tucky said, hos donno math

What I find most amusing is the fact that a simple normal life is something I once despised. A rejection of convention is what drove me to this business.  How ironic that a craving for normalcy would motivate me to leave. Who says God doesn’t have a sense of humor

Everyone on another board knew my exact graduating school, year and month, so putting my exact degree out there, would not be too smart. Let's just say I have a Master's in a "health related" field, and a Bachelor's of Science.  I learned to shut up after being outed.  

And, one who will not have to come crawling back after the humiliating "I am retiring" thread lol. Your field and intelligence continue to blow me away, and I know it's not just smoke and mirrors. If some providers spent half the time doing what their marketing claims they are doing, they would not be stuck at 40 still begging guys to pay them, without a damn thing to show for their lives. It's sad.

Hopefully spending some time in a firm doing the shit that many of my legal beagle pals do....

I have no doubts that some do...but I haven't seen anything out of the usual here in ChiTown.

My calculations are quite a bit different than yours apparently.

I tend to see it on an annualized basis (assuming she's in this gig full time with no other sources of income).

Oh how right you are, and I snore like a bear. I know a lot of people that can't stand being alone, I am completely at peace and happy being alone. When I have the need to spend quality time with a quality woman, I do so. And then we go our separate ways, no bullshit, no need for disagreements. Just sex and intimacy then, bye.

Dear Courtney:
I am wondering what strong interest accruing instruments and accounts have you been looking at? Also with respect to the healthcare, could you create a group of people with the same common interest so that your premiums will be lower when you apply for health insurance? Just inquiring. Perhaps you should write in a periodical that is targeted for adult companionship providers on this topic and see if those who earn a certain amount monthly would participate. Also inquire if it is tax deductible since this is a job where your health is critical to participate in it as well. Eventually you will become an activist, who happens to be a ho in the know. Also as a pioneer, you probably will begin to develop a knack for identifying and attracting certain professionals that will help you develop your portfolio and other ventures that you could very well be interested in for your post adult companionship career options for when you are looking to exit the business. There is a very good fledgling website that would have a venue where you can discuss these relevant topics and perhaps begin to start a following.  How to leave and earn the same amount of income that you did while you where a provider will be one of your next topics that you will have a forum on.  Just a nugget of what your future will look like .

I'm going by insurance agents and doctors saying Obama care is my only way...

I'm one of the poor fuckers who had their insurance plans cancelled.  

Advertising,  
hotels and tips to those serving you, (I tip well)
Travel/flights
Food
Clothing/shoes/nice underwear/lingerie
Beauty upkeep, such as waxing, mani's pedi's, facials, good make up so you don't break out, tanning, hair...
Taxes, (I know that's not an expense)
Fees for screeners,
Memberships and ads on screening sites
Only seeing 1/day, usually adding up to 3/week (Must be 90 mins +)
time off due to illness, which wastes advertising as ads expire, (NYC Eros is 200, isn't it?)
Regular STD Testing and physicals
Condoms/lube/toys/cleaners/wipes/food and drinks for appt.'s
Cancellations and NCNS's after you've booked the room and rejected other appointment requests (this is expensive)
Emergencies
Dry Cleaning
Tailoring

I can't remember the name of the term, but that would be considered a felony…

Is to pick an occupation that will keep you so stinking' busy that you don't have time to spend any money.

I save.  

Hotels are at least $100 a night if you express deal on priceline and hope for the best, and stick to areas that business probably won't be fantastic.

However I didn't state that anyone would work for only 10-15 years and be in a position to retire.  There are some who can accomplish that...but for most they will need to save for 25+ years.  And typically saving enough that it compounds during those years.

Posted By: tg_baby

I save.  
   
 But say I have 10-15 good years of *this* work in me. I'll retire at 35-40ish.  
   
 How many people can save enough in 10-15 years to retire at 40? And live another 80 years (like I'm gonna lolol )  
   
 Saving is easy...it's hard to know where to put the money, where it will actually benefit you. Stocks? Education? Invest in a business? All have risks. All can pan out beautifully...or they can put you in a hole.  
   
 It's easy to save, but it's hard to find a linear path that gets you from point A (here) to point B (there).  
   
 Work is harder outside this biz. Well...work is easy, but finding people to pay you (enough) is HARD. People say this biz teaches you about marketing and economics...not so, says I. This business has taught me the importance of people skills...and how to use the right fork and spoon. I have a devil of a time finding my 'audience' or whatever it is I'm supposed to be doing.  
   
 Anyway, I damn sure hope I figure it out before I'm 80, because I'm not cut out for a fucking annoying-ass sugar daddy.

Some gals have that formula down pat...others such as you are still struggling to find the numbers that really work for them.

It's hard to figure out exactly what that 'thing' is...or, not so hard to figure that out, but hard to make that 'thing' pay 'enough'. That's what I mean when I said that work is easy, but making money is hard. Imagine if you paint beautiful paintings all day. You can put them on Amazon...but they'll go for $13 and the photos can't accurately showcase the quality. You can pay for a booth at some local show where people will buy your favorite for $200 and hang it above the La-Z-Boy. Maybe someone will mention it in an 'Arts' feature in the Smalltown Times, if you're really lucky. Maybe some local souvenir shop will pick a few up. Or the local library will have a 'local artists' exhibition. Or...what the fuck else? LOL. Hooking is supposed to teach us so much about marketing...but there is NO fucking eros or p411...or even TER...for most businesses, especially online ones.

Dear Ms. Rayne:
Although you have the skills,education and background to matriculate and compete in America, you also have an equal concomitant of urban hustler with you. Not that you want to at this stage in your life, but if worst came to worst,you certainly can get yourself paid in more ways than one. Although some of them aren't legal , I would say being a woman and a companionship professional, that you are more resourceful than most and that will serve you well until you find a satisfactory mainstream position to where you can concentrate on other facets that you would like to concentrate on.
That is why Ms. Rayne you are held in high esteem by your fellow colleagues. You understood that this was an ephemeral existence and was just merely a means to an end. Thus you used this in this manner to obtain what you needed and are now enthusiastically looking forward to the next chapter of your life.  Godspeed London as we all wish you well.

When I toured a week long tour would end up costing me about 5k.  So I would need to make at least 12-15 for the tour to make sense.

I've had four or five. Lasted a week at most when they showed signs that they could say/do whatever they want because you "need" them. Fuck that! I don't need any man. I'll sleep in my car before I deal with that shit. And I have lol.  

Some marketing, yes… but you've got to have a good product in high demand to make quick, easy money.

That's where I'm coming from. Touring, just as any travel, with three Appts in five days... not easy.  

Idk I went to school when I was providing ... You know trying to plan for the future .. Then I got out of the buss. and got a job in the field  I went to school for. I do miss meeting new people and the money lol .. So this weekend I decided to put a add back up lol after 2.5 years of being out of the hobby lol..

by putting their head on a pillow and closing their eyes.

Save? Oh please! I grew up when Carter was president and CDs were pulling in, tops !8% and usually, for me, 10% and 11%, savings accounts were a few interest percentages less. Now saving is absolutely ridiculous. The key is to have a diversified portfolio. Index mutual funds. Spread the risk. Having a certified financial planner helps but is not essential. Have you not heard of the three-legged stool? Whoever reads this message, its in your interest to learn up. Right now, having cash on hand helps tide over the uncertainty. He's a CPA, not a certified financial planner. Not the same thing at all....