Money, dating, relationships, and creator work. Said plainly.
sex.money is an editorial site and weekly email about the money problems that come with dating, couples, and self-employed adult creator work. No judgment, no sleaze, and no sales pitches dressed up as advice.
Couples
Keeping money secrets, finding them, or trying to split costs fairly. Words for hard conversations and simple setups to try.
Dating costs
Who pays, how to bring it up, and how to say no to a plan you can't afford, without making it weird.
Creator money
Plain explainers for self-employed adult creators: taxes, bookkeeping, and what to do when a bank says no.
Latest
- OnlyFans Taxes in the US: The Complete 2026 GuideHow US creators on OnlyFans and similar platforms are taxed in 2026: self-employment tax, income tax brackets, the 1099 and W-9, quarterly estimated payments, deductions, records, and state taxes. Sourced to the IRS.
- Your OnlyFans 1099: Where to Find It, Which Form It Is, and What to Do With ItWhere US creators find their OnlyFans 1099, whether it's a 1099-NEC or 1099-K, the new 2026 $2,000 threshold, what to check on the form, what to do if it's missing or wrong, and how it fits on your return.
- How Much Should Creators Set Aside for Taxes?A plain way for self-employed US creators to pick a tax set-aside percentage for 2026, with two worked federal examples using IRS rates, plus the safe-harbor rule for estimated payments.
- Date-Flation in 2026: What a Date Really Costs Now, and How to Date Without Going BrokeThe average US date now costs $189, up 12.5% in a year. Every number sourced, plus a simple dating budget and scripts for cheaper plans.
- How to Budget for Sexual Wellness Products as a CoupleA non-explicit, money-first guide for couples: talking about it, setting a budget, price tiers, when to spend more, returns and warranties, discreet billing, and splitting the cost fairly.
- Business Expenses for Adult Creators: A Plain-Language GuideThe kinds of business expenses self-employed adult creators in the US commonly deduct, from cameras and software to home office and mileage, plus where the gray areas are and how to keep records.
- A Grown-Up Buying Guide to Sexual Wellness Products (Non-Explicit)Buying sexual wellness products is a normal purchase. How to judge materials, safety labels, privacy, returns, and value, without explicit marketing.
- When a Bank or Payment Processor Says No: What Creators Can and Can't DoWhy legal adult creators get turned down or shut down by banks and payment processors, what you can and can't do about it, and how to lower the damage.
- Creator Income Is Self-Employment Income: The Plain ExplainerIf you earn money on adult content platforms in the US, the IRS generally treats you as self-employed. What that means, which forms you'll hear about, and a simple bookkeeping routine.
- What to Ask About Money Before You Move In TogetherIncome, debt, the lease, day-to-day bills, and the exit plan nobody wants to talk about: the money questions to ask before you move in together.
- Joint vs. Separate Accounts: Pick a Setup You Can Both Live WithAll joint, all separate, or yours-mine-ours: how each setup works, where each causes fights, and the questions to answer before you open anything.
- Splitting Rent and Dates Without Keeping ScoreWho pays on a first date, how to say "I can't afford that," and how to split rent fairly when incomes differ. Scripts included.
- Financial Infidelity: What It Is, What It Isn't, and What to Do NextHidden accounts, secret debt, lying about income: what counts as financial infidelity, what is just privacy, and how to get to an honest conversation.
What this site won't do
No explicit content. Not a dating service. Not a lender. No personalized tax, credit, legal, or investment advice. No invented statistics. More about the site.