A Simple Guide To Managing Your Money.

You need to stop being so stupid with your money. You need to stop thinking that the money you earn as as an adult video chat model is somehow different than money earned another way. You need to understand the long term impact (and cost) of the financial decisions you're making right now. Personal finance has a lot to do with behavioral psychology and a little to do with money.

As you're reading this, please understand that I'm writing it knowing that the vast majority (read: 100%) of performers at Pandora Modeling did not come to us as independently wealthy private citizens that were looking for a thrill on cam. Everyone needed a way to make money, and here we are. You were probably broke, or nearly broke, when you started this gig. So was I. 

I never wanted to talk about money while I was broke. At least not about my money. It was uncomfortable. I grew up in poverty. I know what the envelopes for electric shutoff notices look like. I know how it feels to scrutinize the cashier screen at the grocery store as items get rung up to make sure you didn't accidentally go over your budget. Budget of course meaning the available balance of your checking account, that's always what budget means when you're poor.

"ONE WEEK became three weeks, and one month became five. From time to time, as I worked the streets of Colaba with my tourist clients, I ran into Didier, or Vikram, or some of the others from Leopold’s. Sometimes I saw Karla, but I never spoke to her. I didn’t want to meet her eyes while I was poor, and living in the slum. Poverty and pride are devoted blood brothers until one, always and inevitably, kills the other." -Shantaram

You don't want to talk about it. You don't want to focus on it. It stresses you out. You have anxiety about it. You just want it all to be fixed, for some magic amount of money to hit your checking account that will alleviate the conditions that cause your stress, and then you'll have a blank slate so you can finally start being smart about money. 

Tick tock. 

Look, there's going to be a little bit of awkwardness with this. You won't always feel great. But if we can right the ship with how you behave with money right now, your life will get better. It's that simple. It's not about making huge overhauls or grandiose plans that will soon be abandoned. It's about doing the right things today, correctly. 

This post is going to focus on strategies and tactics. I'm going to start by going through things sectionally, the areas people struggle the most with, and attempting to clarify each one in turn. At the end we'll tie it all together into an easy to implement set of steps for you to work on.

The Parts That You Think Are Hard Are Actually Both Simple And Easy.

Let's begin.

1. Exigency. Making Ends Meet.

When talking about exigencies I'm addressing your immediate daily, weekly, monthly expenses. Buying food, paying rent, utilities, walking around money, and so on. Your bills. 

Every day you spend some amount of money. I call it your daily burn rate. Just like calories, but with dollars. Think of it like your financial metabolism. Consistently bring in less money than you use in a day and you're on a countdown to broke (maybe the timer is already up and you're broke now). Consistently bring in more money than you use in a day and your net worth increases over time. I know this might be so simple as to not need to be said, but bear with me. 

In one day you have to pay for: 

  • 1/30th of your fixed monthly bills (rent/mortgage, phone, utilities, etc)
  • Your food for the day. 
  • Probably something else too. You know… Life. 

Just calculate your monthly spending for the past few months to get the average monthly spend and divide it by 30 to get your average daily burn rate, go with this.

Let’s say you came up with $70.

Add 15% to your average daily burn rate, just as a cushion, this cushion will save you with unexpected expenses every month. That brings us to $80.50. Then add 25% for taxes. That's another $20.12 for us today. That brings you to $100.62, let’s call it $100. 

Every day, you have to make $100.

Want to boost your savings account? Make it $125. Want a new car? Make it $145. Want a nicer place to live, make it $170. And so on and so forth, but you need to understand the daily burn rate that you’re at right now. That's where we have to start. 

What I really want to impress upon you is that if you skip logging in for a day. You lost. You’re behind. All of the money you could have made on cam that day is gone forever, you can’t get it back. You can make money tomorrow, yes, but that’s tomorrow’s money. You were going to make that anyways when you worked the next day. Losing today is a loss, there’s no other way to look at it. 0 = 0.

Maybe you want to take 2 days per week off, because you think that’s normal? Well, then you’re daily earnings will need to be $140/day ($140 x 5 = $700). 

Maybe you want to take 3 days off, Then it’s $175 in earnings for the 4 days you work. 

If you’re daily burn rate is $100. And you take 15 days per month off. Then your daily earnings need to be $200 on work days.

That’s all you really have to do to make ends meet. If you’re doing that, you win. You don’t have to be online more if you don't want to. Pay your way, live your life.

I find it really helpful to focus on this daily burn rate. It's too easy to let bills pile up and just try to have enough money to cover it when the time comes. That's how poor people operate. Things that you don't expect are going to happen every month, and you'll always come up with less money than you anticipated if you don't plan it out.

Doing adult video chat gives you a 24/7 accessible way to make money. You can broadcast 10 hours a week or 10 hours a day. It’s totally up to you.  If you’re living paycheck to paycheck, you're doing it wrong. If you're just making ends meet, you're doing it wrong. Letting it all pile up and then having to log super long days the last few days of the pay period to hopefully get enough in your check to be comfortable is the wrong way to do it. Just put in the effort consistently over time. 

Make more than your daily burn rate. That's how to unlock every subsequent step. 

There is a huge mistake that a lot of people make where they think that if they have any debt (student loan, credit card, car payment) then every spare dollar they have should go to that to get it paid off as fast as they can, because interest. So every dollar that comes in is already spent and they operate with 0 spare cash. 

This is dumb. You’re going to get a flat tire, you need a fucking savings account. 

If you have no savings, you’re in the majority, 69% of Americans have less than $1,000 in savings; 34% have no savings at all (Source: https://www.gobankingrates.com/saving-money/data-americans-savings/_

Make your goal to get to $1,000 as fast as you can. Maybe you can do it in a month with extra hours. Maybe it’ll take a few. But as soon as you have $1,000 in a separate (easy to access) savings account, you’re a top tier American, good on you. 

Then, try not to touch that money under any circumstances. This account is for "I'll literally die if I don't touch it" situations. This is your emergency account. 

Goal #1: Setup an easy to access savings account and save $1,000 as fast as you possibly can. 

2. Working Capital.

As an independent contractor, you’re a business. A business needs cash on hand, we call it working capital, without it you die. 

Tax savings are not working capital.

Let me address the difference between gross and net. Gross is the amount of money we send you (really gross in some cases). Most people get $1,000 from us and think, "Cool. I made $1,000." Wrong. Taxes. Always taxes. Always frickin taxes. 

As a general rule, set aside 25% of your payment for taxes (more on this later). High earners (5 figure payout people) need to set aside more. That $1,000 payment then is $750 net. Don't even think about the $250 as being yours, even for a second. As soon as we process the payment to you your tax liability exists. Just stash it away as tax savings and do the rest of the math from NET. 

From your net payment, take 20% to pay yourself working capital. Money into savings that just sits there until it’s needed. If it’s needed today, you need to make A LOT more money, fast. 

This is your personal working capital. It’s the money that pays your bills if don't broadcast for a while. It’s the money that covers unexpected expenses. It's different from your $1,000 emergency fund. Working capital is something you can touch, you can use, it's there for you to use. 

Ideally, you want to get your working capital to 6 months worth of expenses. So, if you spend $2,000/month on everything, that’s $12,000 in working capital. If you spend $5,000/month, that's $30,000 in working capital. 

My view is that 100% of your savings activity should go towards working capital until it’s established with 6 months worth of expenses. 20% off the top of your net earnings every pay period. If this is hard, make more money. 

If you are living payout to payout and just making it work, you should double your hours per pay period until you’ve financed your working capital account, minimum.

Stop watching Netflix, stop hanging out with people, stop sleeping 10 hours a day. Spend as little money as you possibly can, be a total cheapskate, scrimp and save every dollar you can until you have your working capital. You should be in emergency mode when you don't have sufficient working capital. 

You have to make more money every month than you spend, that’s how you grow working capital. You can try to spend less. You can earn more. Those are the two ways to affect it.

With working capital established, you then need to give yourself a minimum balance that you’ll let it get to before you go into emergency mode. If you get to 6 months of living expenses saved, then maybe 3 months is the cutoff time where you go lean, work your butt off, and build it back up to 6 months. 

If you don't have your working capital financed, you should be aiming to make double your daily burn rate on cam for the next 6 months until it is. 

Goal #2: Establish a working capital account with 6 months of living expenses. 

3. The Balance Sheet. Assets & Liabilities

Now we can talk about the serious stuff. Assets and liabilities. 

Liabilities (the right side of the balance sheet)

These are just debts. Credit cards, student loans, shit like that. It’s the money you owe people or institutions. You should always pay your debts

Know what they are, know where they are, know how to pay them. Try not to have personal debt for dumb things. Use credit cards, but pay them off every month, on time (hello, working capital).

Debts are bills. Just auto schedule to pay them every month. Once working capital is financed, you can take the money you would have saved towards that and put it towards paying down debts faster.  Start with the highest percentage interest rate items first and work your way down, that’s usually the smartest way. If you have some small debts that you can save for short term and payoff all at once, that can be helpful psychologically too, one less thing to worry about. 

As a general rule, super obvious, you want to have as few liabilities as you can. 

Assets (the left side of the balance sheet)

These are things that are a positive value in money. It’s the stuff you own. It’s your money, your property, your possessions. Things of tangible value. 

$1,000USD in a savings account is a $1,000 asset (+ some magical goodwill bonus points for peace of mind). 

A car that you own outright is an asset worth whatever Kelly Blue Book says it’s worth.

The goal with your balance sheet is simple. Get more assets, have fewer liabilities. Every month, once your exigencies are covered, the rest of the money you earn becomes an asset, you can use your assets for whatever you want. You should use them to make your life better and cooler, however you see fit, more on this later.

Once you have an emergency fund and a personal working capital account. If you earn an extra $1,000 in a month, here are a few ideas of what you can do with it:

  • Keep it. And have another $1,000 in working capital. Nice
  • Spend it on shoes. Because, you can
  • Invest it (Open an individual brokerage account at Vanguard, buy VOO, forget about it, in 40 years this $1,000 will be $15,000. Thanks to compound interest + time.)
  • Spend $1,000 remaking your cam setup. You can do an insane amount with $1,000. 
  • Support 33 people in extreme poverty.
  • Keep it. Really, you can just keep it.
  • Literally anything else that you can come up with to do with it. It's your money. 

Once you know your existence is financed for the next 6 months, you'll run into a familiar plateau. Every successful model has hit it. The "What next?" plateau. 

Goal #3: Open a Mint account and add all of your assets and liabilities to it, keep it updated to track your balance sheet over time. 

Mint: https://www.mint.com/

4. Building Wealth.

I actually already gave you the answer to this part. But we'll explore it in more detail and tackle the other existential things that come up at this stage. This is where we talk about investing, and why you need to start doing it right now. 

The Baby Step. If you've never invested before, but you've passed the $1,000 saved mark. You should download Acorns (iOS, Android) and either save your spare change or setup a recurring transfer. Tell it to save $15/day, add that to your daily burn rate, set it to aggressive, forget about it for 40 years, and you'll retire with $1,000,000. $192,000 of this will come from that $15/day in savings (over the long term, shit really adds up), $869,951.38 will come from earned interest (especially compound interest). That $1,000,000 will pay you $70,000/year in interest income.

Acorns has this really cool tool that let's you project the effects of compound interest over time. You can pick $X per day/week/month and see what that money will be at any point in the future. 

Acorns

You don't even need to Google the difference between a Roth IRA and a traditional IRA, you can just download Acorns and start, it's that simple. 

Working capital is just covering your ass. It's to help out on the months you get lazy. It's looking out for you so you don't overdraw your checking account or fail to pay your debts. But it's just sitting there, it has to just sit there. When you're making ends meet, and you've got your working capital taken care of, then all excess cash should be deployed towards building wealth.

With Acorns, when you get to over $5,000 in your account the annual fee is 0.25%. That's more than 6x higher than Vanguard, still a lot lower than mutual funds. In the short term (the next 5 years) this difference won't really mean a lot, especially if you're operating with less than 6 figures. But longer term, as you build your wealth account, I would switch to Vanguard eventually. I would however start with Acorns, just because it's so damn simple, that I will actually do that. You can set and forget with Acorns. 

Stepping Up Your Game: Vanguard

We <3 Vanguard. This page details why we love Vanguard. If you open an account at Vanguard and buy one of their funds, you own part of Vanguard. If you open an account at a normal mutual fund or bank, you don't own that company, someone else owns that company and will want that company to earn money from you, the client. As of now, Vanguard is basically the absolute cheapest way possible to invest in public markets. 

To explain why that's the case, let's talk about VOO for a second. The Vanguard ETF that tracks the S&P500. VOO is just the identifying code they use to track the fund in the stock market. 

Meet VOO

VOO

Don't let that scare you. You just need to look on the right side where it says Expense Ratio as of... And see that it's 0.04%. You then need to know that a typical mutual funds expense ratio is 1%. Math time. $1,000 invested in Vanguard VOO = 40 cents per year in fees. $1,000 invested with a typical mutual fund = $10 per year in fees. That's what matters. 

Fees are what kill returns over the long term.

The other good thing to know about Vanguard is that the company has $4,400,000,000,000 (that's 4.4 trillion dollars) in assets under management at the time of this writing. They're totally legit.

Open an account at Vanguard, open an individual brokerage account, use your checking account to fund it, buy shares of VOO, forget about shares of VOO, don't check the stock market, don't try to time anything, just consistently buy it over time. 

Long term the US stock market has averaged a 7% annual rate of return. That 7% benchmark is what I've used when I did every compound interest calculation above. When I said take $1,000, put it in VOO, forget about it for 40 years, and you'll have $15,000 that's just a simple calculation using a compound interest calculator

This is how you start. And this is how you can do it for a long time. You can't screw it up. I'm operating on the principle that the more complex this section becomes the less likely you are to do any of it. So the beginning and end of my investing advice for you is this. Buy as much VOO as you can, as fast as you can, and hold it for as long as you can. You don't need a financial adviser, you don't even really need an accountant, you don't need special accounts.

One thought on everything I'm NOT mentioning. The moment we start to talk about the difference between a Roth or Traditional IRA or a SEP-IRA is the moment everyone gets lost in the minutiae of these accounts and checks out ending up never saving a penny because money is too hard.

You don't have to use any of those. Once you've started, and put away a significant amount of money, you can talk with an accountant about account structures and what they recommend for tax purposes. You can open basically every type of account with Vanguard. And if you want to Google all of that stuff and ask your accountant on your first meeting, you totally can. But stressing about the optimum setup keeps everyone from starting. You have to start. Grind and put $1,000 into it a few times and you'll retire with a 6 figure nest egg. Do it a lot of times and it'll be 7. 

Goal #4: Download Acorns and setup a recurring investment.

5. Fuck You Money.

When do you get to be free?

What is the amount of money you need in order to never have to work again? The amount where no one can ever tell you what to do again? The amount where you can do anything, anytime, without worrying about the cost?

That's what we're playing for. Most people don't ever get the opportunity to even imagine it seriously. Some of us do. I want you to understand in completely real world terms what fuck you money looks like. 

One note on portfolios: At the fuck you money level, things change portfolio wise. You wouldn't have 100% asset allocation into Vanguard VOO. You'd have a mix of assets classes designed for security and protection, not growth. Basically, you'd own a lot more bonds. I.E, Vanguard BND fund. Bonds get a lower return (around 5%) which massively slows growth. Stash $1,000 in Vanguard BND right now and in 40 years you'll have $7,388 (versus the $15k from VOO). That's the difference between the 5% return of bonds, and the 7% return of stocks.

Why doesn't everyone just own stocks? One word, volatility. Stocks go up and down a lot more than bonds do. This matters a lot later in life.

If you have $1,000,000 stashed away in VOO and you retire and an inevitable stock market crash hits, you might lose $300,000 of your nest egg in a year. When you're living off the returns, that's a critical blow. You drop to $700,000, still have to pay your $70,000 of living expenses every year and when the market eventually rebounds you bounce back to a $600,000 portfolio instead of $1,200,000. 

That is a severe blow. Avoiding that is why Jack Bogle (the founder of Vanguard) suggests people should own their age in bonds. Others recommend a 15/50 rule, which says if you think you'll live more than 15 years longer, you should own 50% stocks, 50% bonds/cash. 

The point is that fuck you money requires stability. You can't lose half of it, otherwise all those times you said fuck you will come back to bite you in a big way. So you don't need a 7% return once you make it, you can just make more money and go for 4-5%, and it's all good.

Fuck you = ultra conservative. 

So how much are we really talking about?

Fuck You Money. 

Median Income in the US is just about $60,000. Let's go with that. $60,000/year buys you a good life with a nice house, money to vacation, and so on. At $60,000/year you'll owe about $11,000 in taxes, based on today's marginal tax rates. 

We're going to go with a 5% portfolio return for the reasons mentioned above. Now with a target annual income of $71,000. What number do we need? 

$1,400,000. 

1.4MM in a low-risk, bond heavy portfolio gives you a comfortable $60,000/year income in interest earned after taxes. Want to get there in 10 years? You need to put away $8,000/month. 15 years? $4,400/month. 20 years? $2700/month. 40 years? $528/month. 

Time is the asset here. When you do compound interest calculations, you learn that those later stages are where things really start to get interesting. The last few cycles of 7-10 years. This is why it's so important to start now. The dollars today are worth way more than the dollars you put in 10 years from now because they have all the extra time to grow. 

Maybe this feels unrealistic, or out of your scope. "Fuck dude. Maybe I could put away $528/month if I really really fucking pushed myself, but it'd mean not enjoying life at all ever, and plus I can't cam for 40 years, so what I do won't really matter."

This is a really fatalistic, hopeless idea. It hurts me to hear it. And I'm happy to report that it's just plain wrong. Put away $1,000 once and it becomes $15,000. That means that 40 years from now, you'll have an asset that will pay you roughly $1,000/year in income. Passive investing is buying an income for the future, and if you start soon enough, the results are insane. 

But it's not that just 40 years from now some magic thing happens and you're finally able to rest, be happy, and finally go to the movies. That's not the point. When you do this your life becomes the life of someone who is actively building wealth, it changes how you make decisions, how you live, what's important to you, and I think you become a better person. 

Most people can't make Fuck You Money on cam. If you're earnings are under $100/hr, it's just super tough math to imagine. $50-80/hr and diligent work and maybe you can over a decade. In any case, it requires a tremendous sacrifice. 

Maybe you don't need to though?

Maybe using this as a means to make ends meet is enough while you go to school, launch your career, and enter into the path that will be your true vocation. Maybe you can take the money you make from this gig and use it to seed the ideas you're intensely passionate about. The moonshot ideas that might get you to the next level. Build that app, open that store, try that thing. 

Maybe your adult video chat gig can give you situational fuck you money.

While you're camming and making enough money to make ends meet, you have situational fuck you money. You don't have a boss. You don't have to punch a time clock. You work for yourself. You can do it whenever you want, from wherever you want.

Travel, explore, try, fail, repeat. That's pretty damn close to fuck you capabilities.

Want to go back to school? Do it, make money for tuition on cam.

In school now and want to graduate, get a masters, and work in X? Make just enough money on cam to make ends meet and have some working capital and put all of your spare time into mastering your studies and networking.

Done with school, don't want to go back, want to start a business and live off of it's income? Fucking, do it.

Put in the work and you can do anything. Most of you won't make millions of dollars on cam. But you can make enough to take care of yourself while you prepare yourself for those big ideas. You can make enough to seed new companies, that in turn can make millions of dollars. You can make enough to give yourself the free time to practice, learn, and develop new capabilities. 

There is a gross undervaluing going on of this situational fuck you money. The notion that, because this won't 100% last forever, there's no point in taking it seriously at all. You're needing to have it all figured out. Needing to have the one answer that will bring you a good life however you define it. Needing everything to fit into a nice package. It's just having unrealistic expectations for life, and you'll always be disappointed. 

The fact that you probably can't cam until your 90, makes a lot of people choose to just not really give it a serious effort. And I watch individuals leave hundreds of thousands of dollars on the table, because they watched a lot of Netflix instead. 

There's also just a complete fallacy on aging out of adult video chat. If you want to still be doing this when you're 45, you could. If you don't want to still be doing this when you're 45, shouldn't you be grinding a lot fucking harder right now to save up money and be able to go onto something else. 

The options you'll have at any point in life if you have $50,000 in cash are a lot different than those you'll have with no cash. 

You can either put in the effort or be a broke loser your whole life. Putting in the effort is an easier life, and it's actually a lot more fun. 

Goal #5: Work to make fuck you money. 

6. Taxes.

This part scares a lot of people. Don't worry. It's easy. We're almost through it. Here's what you need to know about taxes. 

You are all independent contractors. That means you receive from us a 1099-MISC form in January of every year that reports the earnings we paid to you in the previous calendar year, we also send a copy to the IRS.

You are self employed

The IRS Guide For Self Employed Individuals: https://www.irs.gov/businesses/small-businesses-self-employed/self-employed-individuals-tax-center

If you're estimated tax payment will be more than $1,000 for the year, then you are required to file and pay your estimated taxes quarterly. If you don't file quarterly, you have to pay a fee on the annual tax payment. It's not a huge fee in most cases, but filing/paying quarterly is easy. So just do that. 

Seriously, this part freaks everyone out. Taxes, while simple (and too high obviously), present the biggest thing most people worry about and, "Fuck it, I'll just pay the fee" is how 90% choose to handle it. A lot of people also strategically make less money to make taxes less stressful. So here is exactly what you need to do.

Google: [your area] personal accountant.

Find one that you like the looks of, call them (you could also email them if you're shy) and say exactly, "Hello. My name is [insert your real name]. I'm looking for an accountant. I recently started a new gig where I'm an independent contractor and I'm a bit lost on taxes. I've never had to do anything with quarterly taxes. So I'd like to hire someone to handle this for me and make sure I'm doing everything right."

Every accountant can do that. Every personal accountant will do that. Doing that makes up a significant amount of the work that personal CPAs actually do. When I say personal CPAs I am talking about CPAs whose professional focus is on individuals, not businesses/corporations.

When you hire an accountant, they will plan the quarterly taxes, calculate the estimated taxes, and make the payments. Annual tax filing from a competent accountant is likely to run $200-300. Tack on a bit more for handling the quarterly stuff as well. It might come out to $500/year. 

This will be the best $500/year you have ever spent. It will buy you peace of mind. You see, accountants are so good at this whole tax thing, they're like ninjas. They know what form to use, what to write on every line, how to use calculators, when to use calculators, where to mail the checks, it's crazy how brilliant they are.

They can do that because, it's what they do. It's what they studied for years to learn how to do. It's the easiest part of their job. And they already do it for dozens or hundreds of other people, and you'll just be one more client in their to-do list that they'll be glad is increasing their annual income a bit. 

Seriously, call the accountant you like the looks of, set a meeting (most offer a free consultation), bring a list of every question you've ever wanted to ask an accountant, and just go through them 1 by 1. Make sure they're someone you can communicate with, that you like, and feel like you can trust. This trust part is important to feel because you have to be very open with your accountant. 

Meeting an accountant involves telling them exactly what you do for work. Don't hide it. "I am a model on an adult video chat site. So I work from home on the computer, and chat with people." They need to know. Mention it on the first call. 

Your accountant is a fiduciary. They have a legal duty to act in your best interest. 

I really just think everyone that's serious about this should hire an accountant. The $300-1,000/year it'll cost would cause a lot of you to go from making $15,000/year because you're bad at money to making $60,000/year. 

Bonus points: You'll then get to say things like, "I'll have to check with my accountant."

You can handle taxes yourself. It's easy. Click on the IRS link above and go through it. But if you can't. If it stresses you out. Dedicate a couple of logins per year to "Accountant Money." Save up a few hundred dollars just for that and hire an accountant to do it all for you so you don't even have to think about it. You'll be glad you did. 

Most people assume that they need millions of dollars to bother with an accountant (most poor people). That's simply not the case. Personal accountants aren't crazily expensive. In most cases, the tax fee you'd end up paying the IRS by not filing quarterly is more than the accountant would have charged to file quarterly for you. 

You can also discuss investments with your accountant. While some are registered investment advisors, all are capable of advising you on the different types of accounts to use (I'm talking IRA stuff now) for tax advantages and long term investing.

Goal #6: Hire a personal accountant to file & pay your taxes quarterly.

7. Guilt Free Spending. 

None of you need my permission to spend money on dumb shit. So I was hesitant to even mention this. We all do it, all the time, and it's fine. Enjoying life now is often a better driver for money making than "comfortable retirement in 40 years." Most of us probably expect to die in epic fashion before then.

But then I thought... Maybe some of you do?

One abrasive aspect of most financial advice for me rests upon the notion of lifelong penny-pinching austerity. Starbucks is evil. That $5/day, if invested properly, would be $344,000 in your portfolio at retirement. Every time you take a sip that's $10,000.

Personally, I like Starbucks. I like putting on my Airpods after I get dressed in the morning, turning the volume way up (lately the song is either Russ - I'm Here or Bruce Springsteen - Adam Raised A Cain) and walking down to grab a Venti Iced Cappucino (one of these days I'll switch to Americano I promise) then sitting in an armchair while I drink it and muse on life and business.

I like the Adidas Ultra Boosts that I have two pairs of. I like my iMac. I like my linen bedding. I like my Phillips Sonicare Diamond Black toothbrush.

I like living for today. Doing the things I like to do, with the people I like to do things with. Meals, shopping, movies, travel, whatever. I'm not patient enough to wait 40 years to do any of that and I don't think I should be.

What's cool about this gig is that you get to do both. You can have your cake and eat it too. You can enjoy life now and later. 

The 20% Rule.

If you're daily burn rate of $100 has you living in a situation you don't love, hack it, design a new life, find out what it costs, and establish your new daily burn rate.

Just as you increase your daily burn rate for exigencies like Starbucks or BMWs or new kicks, make sure to respect the 20% of net income saved rule. If $20 out of the $100/day is going into savings, you're doing great. Finding $80 more per day for the shit you really want in life will force you to put another $20 away in savings, increasing your overall burn rate by $100.

When you adhere to the 20% rule an increase your exigencies leads you to save and invest more overall. The $5/day at Starbucks becomes the impetus for the $5/day that gets invested and becomes $344,000 in the future.

This is what I call a positive constraint. It's one simple, basic, easy to follow rule that gives you the freedom to live well, on your own terms, now and always. 

I'll take another cappuccino, thanks.


The Action Plan.

  1. Calculate your current Daily Burn Rate.
  2. Commit to saving 20% of all net income.
  3. Open a Mint account to track your spending + assets/liabilities.
  4. Save $1,000 in an emergency fund.
  5. Save 6 months worth of living expenses as Working Capital.
  6. Download Acorns and setup a recurring investment.
  7. Hire an accountant to calculate, file, and pay your taxes quarterly. 
  8. Respect this 20% rule as you recalculate your ideal lifestyle for a new DBR so that increasing your personal spending increases your portfolio and you win/win. 
  9. Work on making Fuck You Money. 
  10. Spend the extra money you make on whatever you want, guilt free, enjoy your life.

The Podcast Episode On Money Management: https://soundcloud.com/pandoramodeling/6-personal-finance-a-simple-guide-to-managing-your-money

Disclaimer: I am not a financial adviser. I am not a financial professional. Investing in the stock market involves risk. I don't know what I'm talking about. Do not listen to me under any circumstances. 

Pandora Modeling By The Numbers: Understanding The Business Of Webcam Modeling.

We have already discussed the forward-thinking nature of the Pandora business plan and how it’s designed to benefit our models over the short and long terms.  We would now like to break the numbers down a bit further so that this aspect of the webcam modeling industry is clear to every prospective model who reads this.

The most important thing to know is that we here at Pandora are a meritocracy.  We start every model we hire at our base rate commission of 27.5% of total sales.  As we have stated already, we are selective when it comes to hiring and we only choose to represent models we feel will be able to attract an audience of clients willing to pay to spend time with them.  And because of our business model that stresses one-on-one interactions with clients and the building of long-term relationships, we know that our models earn more with us than they do with other agencies.  

But you may be wondering why we settled on the base rate of 27.5% commission for models starting out.  More importantly, you may be asking yourself, “Does Pandora pocket that other 72.5%?”  The answer is a firm “no”.  Absolutely not. What is the breakdown as to where it actually goes?  We’re happy to share that with you.  We’re all about transparency.

Webcam modeling has four basic costs:

  1. Broadcasting costs, which include the models and the studios.  Studios, like Pandora, have expenses relating to the recruitment and training of models, for instance.  

  2. Customer acquisition, that is, the affiliate department and whatever media strategy they devise—essentially advertising and promotion.

  3. Credit card processing fees.

  4. The technical side of things, meaning the network, which includes the equipment, the servers, the databases, and the staff required to keep them operating.  

Some of these costs are fixed and don’t leave much room for cuts or streamlining.  The expenses associated with running a network are going to be around 20% of sales revenue.  There’s not much room for flexibility here, since the site needs to be kept online all the time and technicians need to be employed to maintain it.  

Another cost that is largely out of our control is credit card processing fees, which end up being 12%-15% of all network sales.  This percentage may seem high, and indeed it is, compared to the fees associated with more “normal” and “mainstream” businesses.  The reason is that porn is considered to be a high risk enterprise by credit card companies, which is justified to some degree by the fact that fraud is more prevalent in porn transactions than it is in other sectors.  Not much can be done about reducing these costs either, until bitcoin becomes ubiquitous.  

Recruiting models and gaining customers are the two areas where there is some amount of freedom to strategize on how to spend money according to different business philosophies.   Should you pour a ton of money into efforts to enlist as many models as you can, or should you strive to maximize the amount of traffic you can drive to your site?  At Pandora, we want to get as much money as possible into our models’ bank accounts, full stop.  More customers means more sales revenue, and more sales revenue means more income for our performers.  A major factor in this success comes from how Flirt4Free’s affiliate department structures their site, which encourages loyalty to certain models among customers and facilitates spending battles between different fan bases.  But this is not all there is to it.    

If you worked as a freelance performer and used Flirt4Free as your platform, you would make 27% of all sales revenue.  If Pandora represents you and you use Flirt4Free, you get 27.5% as a modeling novice.  But our savviness in choosing to represent performers with the most potential and teaching them the strategies they can use to gain long-term loyalty from customers ends up being worth far more than just that 0.5% in the long run.

Not only that, but with Pandora, you will earn a higher percentage when your total sales exceed a certain threshold both within a pay period and over the course of your lifetime as a performer with us.  We have roughly 150 models working with us right now.  In 2016, our top 20 models each made an average of $80-$100 per hour when earnings for the entire year were taken into account.  Some of them ended up making an average of over $100 per hour over the course of the year, and one even averaged over $200 per hour.

At Pandora, our operating margin is around 3% of total sales.  The cost of acquisition for a new model’s account is around $70.  The cost of investing in a long-term successful model is anywhere from $7,000-$10,000.  We have to bring in enough money to stay in business, of course, and right now, we gross about 12%-13% of our models’ earnings.  Our aim is to get that number to 10% or below.  This is totally doable, since our fixed costs won’t increase much, even if we double our sales.  Because of our graduated earning scale for longtime performers, our average payout to models at the end of 2016 was 32%, though this number constantly fluctuates.  We make a bit more off of brand new accounts and the take home percentages for models increase quickly as they earn more money. Right now our 12-13% has been a function of a high volume of sales coming in from new models over the past 6 months.

We give you a better deal as a rookie model than other agencies do, but the numbers move even more in your favor the longer you stay with us and the more you earn with us.  Plus, if you’re one of our performers, but you feel that you can find a better deal elsewhere, we’ll let you go.  Other studios try to keep a lock on models and can make it hard for them to seek representation with a competitor.  But this is not how we operate.  Mostly, that’s because we feel that it’s just plain wrong to treat people that way.  But—and this is important—we make it easy for models to leave us because we know that once they learn how we do business, they won’t want to.

We think it’s important to know the numbers and to know how they’re arrived at. Success in the camming industry is a team effort. Without the network and the affiliates and the payment processors and the dozens of other essential service providers, no one would make any money. We’ve watched hundreds of individuals over the years try to make a go of the Self Promote + Skype business model. Almost no one makes any significant money from it. You just can’t compete. The effort required by an individual to build the sort of customer flow that our models have access to just by logging in isn’t feasible at an individual level.

Our top performers will have 500-1,000 qualified (have an account with a credit card attached) customers go through their public chatroom per hour. People that do Skype spend 3 hours negotiating with customers that don’t ever pay them for every 30 minutes they spend actually doing a show, and maybe they keep 100% of that $100 for the 30 minute show and think “cool, I just made $100 in 30 minutes.” Only they didn’t. They made $20-30 an hour, hard fought. While our people make $100/hr without having to negotiate anything or violate Paypal/Venmo/SquareCash T&C.

We care about dollar per hour income. That’s it. And we’ve been working for years to negotiate arrangements that facilitate our models having the highest dollar per hour income possible, with good results. Company wide our models earn $42/hr on average. More than 10 earn over $100/hr.

The last point we’d like to make about numbers has to do with room to grow. The reality is that we’ve never had a situation where a highly qualified model started on the site and wasn’t able to make money. The demand for high quality models is nearly infinite. If we think someone will get on and make $50/hr, they almost always do. The demand for cool models always outpaces the supply, because the best models manufacture demand for themselves just by being available.

We hope you found this educational, or perhaps inspirational.

Morality Part Two: Transparency, Fairness, and Self-Esteem

We’ve heard it all before.  People condemn pornography.  People attack the camming industry.  They say we’re scumbags.  They say we exploit our models.  They say we corrupt the youth of America.  The basis for all of these pronouncements supposedly comes from an untouchable monument of righteousness.  And in this instance, those of us in sex-based industries might have to endure almost as much rancor from the Left as we do from the Right.  

Critics on the Right, as we have already discussed, take the predictable position that sex is bad—at least the sex that people enjoy having—and that to engage in a life full of it is to deserve shame, ridicule, abuse, and whatever else befalls such wayward sinners.  But from the Left, judgment can be just as harsh.  This is where the charges of exploitation come in.  This is where accusers say that we take advantage of models and/or cheat our clients.  This is where both ends of the political spectrum can agree with each other.  We must be scumbags.  

The truth is that the camming industry is filled with scumbags.  It also has its fair share of liars, cheats, and other assorted rip-off artists.  We knew this when we decided to start Pandora.  We knew that in joining this industry we would be lying down with pigs.  But just because you lie with pigs, doesn’t mean that you have to be one.  

What does it mean to be “moral” in a supposedly “immoral” industry?  What does it mean to actually live a life informed by moral principles?  What values should you subscribe to when running your business?  To us, there are actually some easy answers here.  

Number one: Don’t cheat people.  If we have to say this to you, and it’s a novel concept, then you have no right to claim the moral high ground on anyone.  Starting on Day One, we resolved to be open and transparent with our performers and with anyone who applies to be a performer.  If we feel that this industry is not right for you, then we tell you so.  If we think that you won’t make any money doing this, then we tell you so.  If we think that you will regret your decision to work as a webcam model at any point in the future, then we tell you so.  We don’t do pressure sales, and we don’t try to lure people into signing with us.  We believe in free will.  We give you all of the information that you need to have about us and this industry and then let you decide if you still want to be a part of it.

When we started Pandora, we decided that we would take the novel approach of treating this just like any other “normal” business.  What that meant was that we would conduct our affairs ethically—imagine that!  We are upfront with our pay scale because we thought that would attract the kind of models we wanted to work with.  And that has shown itself to be 100% correct.  We found that there was a way for us to pay models their fair share and still run a profitable business.  

Other studios dislike us because we publicize our pay scale whereas they, all too frequently, conduct their negotiations in the shadows and underpay their models so that they can line their own pockets.  And because these models at other companies are kept in the dark, they often don’t even realize that they’re being cheated.  If you have to cheat people in order to keep your business running, then you are a shitty businessman.  If you can run your business profitably without cheating people, but choose to do so anyway, then you are a shitty person.  End of story.

Aside from being open and honest with our models, we also give them much more.  These other benefits present themselves as opportunities.  The chance to make money is an obvious plus, and this is often the “excuse” given for webcam modeling by those who are not quite comfortable with it, including some performers.  The shame and stigma that has been forced on sex work of any type is such a burden that many performers can only sleep soundly if they call it a financial necessity.  And yes, it’s a business, so making money is a good reason to engage in it.  But there’s so much more to it than that.  

We give our models a chance to express themselves as individuals.  Camming is not just sex work.  It’s also entertainment.  It’s also art.  So many jobs in “respectable” industries don’t afford their workers any comparable opportunity.  Camming is a job that doesn’t just reward performers for working hard.  It also pays dividends to them for being individuals and tapping into their creativity.  It gives them a chance to explore other sides of themselves and make connections with all kinds of people.  It can be so much more rewarding than the dreary, stifling grind of the cubicle.  And if you stick with it, it can be so much more lucrative too.  

And we must not forget to mention the benefits that camming has for our clients.  These are people who come to our site to look for models.  Based on feedback that we at Pandora receive from our performers, they are thrilled!  Since we know how to choose the people who are right for taking on camming jobs, and because we know how to guide them to maximize their abilities, we always have performers ready who are both hot and cool.  

These clients have scores of sites to choose from, but when they come to us, we are confident that they are getting the finest experience possible.  Our performers bring them joy, and they keep coming back.  And, perhaps best of all, when the clients are happy, they pass their praise along to the models.  And these models, in turn, get a boost in self-esteem.  Running a business that makes money is definitely nice.  Running a business that makes money but also builds people up in ways that are not strictly financial is even more rewarding.  If morality is lifting people up instead of tearing them down, then we’re happy to be on the right side of the debate.

Excerpted from: https://soundcloud.com/pandoramodeling/2-the-moral-necessity-of-webcam-porn

Morality: Sex, Lies, and Hypocrisy

Here they come again.  The all-important, self-styled watchdogs of virtue think that they can condemn the camming industry.  And they routinely claim the high ground because they’re backed by some religious authority, an ancient text, or some sanctimonious politician.  And from their lofty perches, they proclaim themselves to be the moral guardians of us all.  But have they earned this privilege?  Definitely not.  

First of all, it would probably be best to define what morality means.  To us, acting in an upright manner means treating others with respect.  Don’t cheat people.  Don’t lie.  Don’t take advantage of someone else if you find yourself in a position of power.  Most of all, show empathy.  In any given situation, what is the right and moral thing to do?  Given options, which path should you choose?  

It’s always clear that the road you take should be the one that causes no harm, or, if unavoidable, the one that causes the least harm.  

Self-proclaimed guardians of morality are always happy to target pornography, camming, and sex work because it’s so easy for them to label those who engage in these professions as corrupting influencers whose actions are harmful to men, women, and children.  These so-called protectors can do this almost effortlessly, and with little pushback because this mindset is more or less a default setting in our society.  A knee-jerk reaction to sexual freedom is basically woven into the fabric of our culture and is firmly based on centuries of religious dogma.    

This is nothing new, of course.  The Bible has much to say about the supposed perversions of different kinds of sexual activity, whether this involves men lying with other men as they ought to lie with women or a man committing adultery in his heart just by looking at a woman lustfully.  And in instances where the Bible may not have even originally meant to condemn some actions, well-meaning religious devotees have subsequently found a way to have it do that nonetheless.  This is the case, for instance, with masturbation.

To many who have subscribed or do subscribe to religious teachings, this brand of self-harm is a horrific sin.  Consider John Harvey Kellogg, the physician who (along with his brother) gave the world Corn Flakes.  He was so convinced that masturbation was an abomination against all that is good and holy that he devised a whole host of interventions to prevent children from exploring their bodies.  These benevolent treatments included jabbing boys’ foreskins with suturing needles to prevent erections, and burning the clitorises of young girls with carbolic acid.  Add to these mutilations a lifetime of shame, and the result is a sexually repressed person who blames himself or hates herself for every natural thought.  And this was a man who believed that he was doing God’s work.  

To the extremists of old, sex of any kind was bad, unless it was done with the express purpose of earnestly trying to conceive a child—and then it must be an act begrudgingly performed by a couple, married in the church, who do it only so that they can perpetuate the beings made in God’s image.  Even then, it was not to be enjoyed.  No doubt, there are many who still believe this.  When even this basic reproductive obligation has had the power to arouse such ire in servants of the cloth, is it any wonder that those on the Religious Right today can still gain so much mileage through their condemnation of “perversions” ranging from masturbation to pornography to premarital sex to homosexual sex to those who have sex for a living?

This is quite revealing.  These defenders of the Word cry out about the evils of sex, and they try to discredit, marginalize, or abuse those who don’t find it to be a shameful thing.  But it’s not really about sex to most of them.  It’s about power.  What could be worse than a woman being naked in a place (the Internet, perhaps?) where anyone can see her?  We can tell you: A naked woman who uses that nakedness to earn a living, thereby defying the centuries-old power structure that gave rise to the world that keeps these stern-faced men at the top.  Why are so many people so quick to condemn homosexuality?  Maybe because it’s such an easy thing to do.  Preaching against gay people is a lot less nuanced than preaching against greed or pride or hypocrisy.  If it’s about “the act”, then many of these judges can honestly say that they have never done it.  But how many of them have never actually coveted their neighbor’s wife or his goods?  But that’s complicated, so they avoid it.  Better to keep the high ground—you, the sinners, and us, the chosen.

And then there’s adultery.  Socially conservative defender of religion, Newt Gingrich, was appalled at his second wife’s claim that he had asked her for an open marriage while he was having an affair with his now third wife.  In 2012, he vehemently denied this to raucous applause from a sympathetic conservative crowd during a presidential debate.  These traditionalists had no quarrel with Newt having a wife and a mistress at the same time.  But they were deeply concerned about the possibility that he and his wife might each have affairs while still married to each other.  A woman who knows multiple men is a threat to society.  But a man who knows multiple women is just a man.  Solomon, the wise man of the Bible, had many wives, after all, but would his wisdom have allowed him to contemplate the virtues of permitting one of his wives to enjoy the same privilege?  

And if this arrangement was good enough for a king, then surely it’s good enough for the devout moral guardians of today.  Whatever keeps them in power and preserves the social order.  If that means making children feel shame for having sexual thoughts, then so be it.  If that means condemning women for making the choice to engage in sex work, then so be it.  If that means hounding gay and transgender youth to suicide, then so be it.  These guys will do anything to avoid talking about their own dishonesty, deceit, hypocrisy, and other far more damaging crimes.  Don’t let them get away with it.     

The people that earn a living through sex work, whether in person or online, do not owe anyone an apology or explanation. Sex is not bad. Sex work is not immoral. Customers of sex workers are not degenerates. Please remember this.

Excerpted from On Cam:  https://soundcloud.com/pandoramodeling/2-the-moral-necessity-of-webcam-porn

Be The Part: How To Indulge Fantasies And Win Clients.

Alright, so you’ve decided that you have what it takes to be a cam model.  You’re in the right place mentally and emotionally.  You’ve prepared yourself to be the performer, ready to win over clients, get to know them, and fulfill their fantasies.  You’re ready to put in the time you need to spend to hone your craft.  All of that is great.

Did we mention that you also need to be really, really, really good-looking?  

Maybe it’s unfair, but the fact is that your appearance is a major factor when it comes to enticing and landing clients.  After all, they have so many choices.  What will you say to them, by the way that you look, that causes you to stand out?  

Fortunately, there are steps that you can take to tip the scales in your favor.  

Few things are more alluring than confidence.  It’s not enough to be sexy.  You must also know that you are sexy.  You must embody that sexiness.  Each and every move that you make while you are on camera in public should seem wholly natural to the viewer—extemporaneous, to use the GRE word—even if you have planned every action and already know what you are going to do next.  

When you watch any great actor play a part, if that person is doing it well, you should never find yourself thinking, “he is doing a great job pretending to be someone else,” while the performance is going on.  That may be something that you say to yourself later on, when the wave of emotion has washed over you and the time for analysis has begun, but not in the heat of the moment.  And remember, in this role, you are an actor who sells intimacy and trades in emotion.  If it looks like you are struggling to play a part and you don’t quite know how to pull it off, people will see that.  The spell will be broken and you will lose whoever is watching you in public.  And you aren’t likely to entice any of those people to come back and give you a second look when there are so many others out there that they haven’t yet seen but can find just as easily as they found you.

To steal a bit of performing wisdom from the actor Michael McKean, (who can do both comedy and drama but, to our knowledge has never been a cam model), “If your assignment is to play a guy who thinks he sees unicorns, you can’t play a guy who thinks he sees unicorns.  You have to play a guy who sees unicorns.  Otherwise it’s not going to hold water.”  

When you are camming, and members of the public can see you, you can’t be someone who has been put there to play the part of a performer who fulfills fantasies.  You must be the one who fulfills fantasies.  You can’t just go halfway and expect to be met in the middle.  If you don’t believe in yourself and what you’re doing, then no one else will either.  And when that happens, the connection that you will be striving to make with others will never happen.

If seeming fake or half-assed is the worst thing that you can do when trying to attract clients, then the second worst thing that you can do is be boring.  Remember that people browsing online have choices—more choices than they could ever even explore.  What will you do to be interesting?     

Some of our models dance.  Some of them do yoga.  Some of them talk about themselves.  Whatever you choose to do, make sure that it doesn’t look like you are waiting for something to happen or that you are waiting for someone to come along and find you.  Being confident means doing whatever it is you want to do without the need to seek approval from someone else.  

And a big part of the initial appeal of cam models to viewers is the voyeurism inherent in the way that they discover you.  For many people, there is a thrill in getting a peek into someone else’s world, especially if that person is, as you will be, attractive.  But you, as the model, are not begging someone to pay attention to you.  Not outwardly, anyway.  You are there doing what you might otherwise do—stretching your legs, brushing your hair, singing quietly to yourself.  The camera just happens to be on.  Maybe you notice it, and maybe you don’t.  But the person who finds you and gets to see you doing your own thing gets to feel that joy of discovery and the rush of power that comes with watching someone else who can’t watch back.

Here, we have to stress the importance of not giving it all away in public.  Be sexy, be alluring, be salacious, but don’t be pornographic.  Don’t be explicit.  Be closer to PG-13 than to NC-17 when clients don’t have to pay to see you.  What you have is valuable, and you should have no interest in giving it away.  The public forum is the place where the client gets a window into your world.  You want him to move ever closer, trading his telescope for binoculars before finally pressing his face up against the glass.  If he wants to see more of you and have you all to himself, he can.  But not here.  Not with other people around.  But if he takes you into a private room, then you can make him think that you belong to him.  Yet it’s really the other way around.  But he doesn’t have to know that.

If you succeed in getting and keeping the attention of the voyeur, then the opportunity to turn the tables and grasp that power for yourself is there for you.  When you succeed and take things private, that’s where you earn your living.  That’s where you fulfill fantasies, and that’s where the world is yours.

Anonymity: How Private Is Webcam Modeling?

The first human beings ever photographed were a man getting his shoes shined and the worker doing the job.  This was in 1838.  They were standing on a street in Paris, as the camera captured their images and those of the buildings around them.  Unfortunately, the shot was taken from so far away that neither of these human figures is identifiable.  Nor is either one of them likely to ever be known.

Remarkably, the first photographic portrait of a human being was taken just one year later.  An even more amazing fact is that it was a self-portrait.  Yes, the first photograph ever taken of a person was a selfie.  In this case, the identity of the subject is known.  He was Robert Cornelius, a Philadelphia-based manufacturer and photography pioneer, and although he has been dead for over a century, we still have a faithful representation of his face today.

For all of human history up until Cornelius stepped into that frame, people depended upon paintings, drawings, or sculptures by artists, or descriptions written by authors, to convey how they looked.  These renderings might not have told the truth, or at least they may have depicted a skewed version of it.  They are one person’s idea about what someone else ought to look like.  Some portraits we have today of famous people were completed after the subject had died.  The camera can still lie, but it is more objective than the methods of capturing identities that came before it.

In the 21st century, of course, anything and everything, no matter how mundane, can be captured forever.  If you want to let future generations know exactly what your breakfast this morning looked like, then you can snap a picture of it and people not yet born will be able to see for themselves how you liked your eggs cooked.  

We live in an age in which images never go away.  They can live somewhere on the Internet indefinitely.  Even images that are designed to disappear off of a viewer’s phone shortly after they are opened, like those sent via Snapchat, live on in servers elsewhere.  Your guidance counselor who advised you not to let your friends post pictures of you drunk and trespassing all over social media was right after all.

This is partly why we say that cam modeling is not for everyone, and that you need to think seriously about whether or not this is the best path for you to follow.  At Pandora Modeling, we take as many precautions as we can to protect the identities of our performers.  But the Internet is not an airtight vacuum.  

If you choose to be a cam model, and Pandora represents you, we do everything possible within the boundaries of this business to protect you and your identity.  The name that you choose to be your camming name should be one that sounds real but does not contain any part of your actual name.  You can choose to limit access to your camming profile so that viewers based in certain states or even entire countries will not be able to see you when you are on cam in public.

In addition, we at Pandora further protect your identity from search engines by paying you through our parent company, whose name we do not post on our site, setting up another barrier between your camming identity and your actual one.   And we do not disclose the locations of our models, (just as you should never do this on cam), to further protect you.

That said, because this is the 21st century and everything anyone does in nearly any place public or private has the potential to be recorded, and because anything that gets recorded can be posted somewhere and may never go away, the reality is that even with all of these protections in place, this is not 100% foolproof.    

When users decide to take you, the cam model, to a virtual private room, your activities there are recorded.  These recorded shows are retained by the network and made available for purchase on your (the performer’s) profile page.  This is an additional source of income for models.  You cannot opt out of this Video On Demand (VOD) feature.  These VODs cannot be deleted, as they are owned by the network, and although most of them become inaccessible when a performer quits camming and deactivates their profile, the client who originally purchased the private show retains access to the VOD indefinitely.  That person could conceivably make his own recording of that show and disseminate it.    

We say this to you not to frighten you into thinking about how to explain your secret life to your grandparents.  As we have said, we take every reasonable precaution to protect your identity.  So going to the grocery store or dropping your kids off at school or just hanging out in your neighborhood—these are all things that you will still have the freedom to do without being mobbed like a celebrity or shunned like the adulteress in a Puritan village.

But this is yet another part of what we meant when you said that in order to be a cam model you have to really commit.  Just as you would probably not find it to be worth your while monetarily to cam for just a few hours a week, and just as being visibly boring and “not really into it” is going to affect your attractiveness (and therefore your bottom line) when you are on cam, you should know that this journey is not one that you take halfway.  If you cam, then footage of you doing what you do in private may spill out into the public arena because someone else chooses to make that happen, for whatever reasons of his own.  

Again, this is one of the numerous reasons why camming is not for everyone.  But if you are ready to take the steps necessary to do what you need to do to succeed in this business, and if you adhere to all of the advice we give you regarding your own safety and privacy, then you have a very real expectation of not having this part of your life affect the other parts in a negative way.  You know the situation and the odds.  Now the rest is up to you.

Thoughts On Being Selective When Hiring New Webcam Models.

When it comes to choosing our models, we’re selective.  We don’t just agree to represent everyone who applies to work with us.  From our perspective, this is common sense.  But in reality, this makes us a rarity in this business.  Although anyone on earth can apply to be a webcam model, most people don’t have what it takes to make it.  And yet the vast majority of companies in our industry will set up modeling accounts for anyone who applies.  They do this because the cost to the company for doing this is next to nothing.  And if the newly-signed model works a ton of hours and makes anything at all in sales, it’s a net positive for the company, but not necessarily for the model.  

We think that’s stupid, so we don’t do it.  

Beauty is in the eye of the beholder, and at Pandora it’s our job to know who the beholders are, and which ones are likely to choose to spend money on private shows with models.  We’re actually really good at this.  And because we’re good at this, we can look at a modeling applicant and get very close to determining what their dollar per hour income will be if they work full time as a webcam model.  We know how to do this because we eat, sleep, and breathe this business.  We know what sells and what doesn’t.

We offer our expertise as a service to prospective performers to help them avoid wasting time if they won’t be successful in this business.  Our expertise also benefits the clients who patronize the site because they know they’ll always meet cool and interesting people to spend time with and not just literally any random person that sends in an app.  

This makes perfect sense if you view camming the same way that you would look at any other job.  If you aren’t good with numbers, should you choose to be an accountant?  Should someone hire you to be one?  If you can’t stand the sight of blood, would you want to be a surgeon?  Should any hospital put you in the position of cutting patients open?  If you don’t have the looks, the mindset, and the resolve to be a cam model, shouldn’t an expert, who knows the business, tell you that at the outset and let you pursue a different path in order to prevent you from being disappointed down the line?

Camming is a business.  We are all in it for the same reason that other people are in business—any business—and that is to make money.  If we know that you won’t make money doing this, then we’ll tell you so and save you a lot of time and trouble.  It’s simply not possible to manufacture a market for people who, based on their appearance, won’t attract clients.  

Because we don’t just accept everyone who applies, that means that we can spend a larger amount of our time making sure that the models we do hire receive more personal attention from us.  We devote ourselves to helping our new models be as appealing as possible to potential clients.  If you sign on with Pandora, we’ll make sure to advise you when it comes to the basics: clothing, hair and makeup, how to set up your room, how to speak to clients, how to manage your chats, and so much more.  We know all of the subtleties.  And throughout your development as a performer, we’ll be here to help manage the minefield that camming can be.  From retaining clients to staying motivated, we’ve got your back.  We’re the secret ninja tacticians working invisibly in the background to make you cooler and more successful.

In the world of webcam modeling, there is a very high attrition rate.  At most studios, effectively just 1% of all models who sign up to cam will end up being successful at it--success here being defined as sticking with camming long enough to actually make real income.  For most studios, if they hired 100 models today, one month from now, only one of those models would still be logging in.  Most studios measure success by how many performers they sign up.  We measure success by how many performers go on to make a living doing camming for a year or more.  Winning has nothing to do with how many models a studio hires.  It’s all about how many models a studio can keep in the webcam modeling business.  

Pandora is different because we only hire candidates we believe will be well-suited to be performers.  And once we hire someone, we make sure that person gets the personal attention needed to be effective and successful as a cam model.  But the benefits of signing on with Pandora don’t just end once a model graduates from being a novice.  At Pandora, our overall philosophy toward camming manifests itself into a long term business strategy.  We have a vision of where we want to be in this industry, and every day we’re working to bring that vision into being.  We’re in it for the long haul.

Why Cam? Why Pandora Modeling?

Your first question might be, "why camming?"  What makes it so different?  What makes it unique?  The answer is that camming embodies many of the intersecting elements that are defining our cultural moment.  Camming can help to illustrate where we are as people and where we may be heading. 
 
The serial entrepreneur Gary Vaynerchuk contends that the Internet, far from being an obstacle to the development of meaningful relationships, actually allows for them to flourish and grow with a wider reach than humanity has ever known.  Skeptics who mourn that the online community has displaced real human interaction fail to grasp that the Internet enables people to meet and share words, ideas, and emotions across borders and oceans.  Many people who share intimate parts of their lives with each other online may not otherwise have ever been able to meet and would possibly not even know of each other's existence without this supposedly isolating technology.  The Internet is not the destroyer of communities.  It is the salon, the water cooler, and the bowling alley all in one.  It is the place where people go to seek out relationships with others, not the place where people go to hide from them.  Camming uses this platform to foster a unique brand of 21st-century relationships.     
 
Sex sells.  This is common knowledge and conventional wisdom, so much so that saying it is not the least bit controversial.  There are millions of places online to find pornography, and even the places you can find it for free are covered in ads.  But whereas traditional pornography is static, camming is dynamic.  Sex sells, but intimacy sells for a higher price.  The sex and the sexiness of an earlier era is not compelling in the same way that it once was to a generation that is so used to creating its own content.  Most online pornography is like an old TV sitcom, existing for viewers to passively observe and consume.  Camming is like a video you make yourself, or, rather, it is like a video that the model and the client make together.  Maybe it's pornography.  Maybe it's art.  Or maybe it's the way that some people find fulfillment and make personal connections that matter to them. 
 
In the recent past, people paid to join clubs.  The club had a reason to exist and the people who joined were pleased to be associated with that stated reason.  Increasingly, younger generations aren't satisfied just paying dues to say that they belong to something.  They hold others to a higher standard.  They ask that they get something specific in return for their allegiance.  They ask that they get attention tailored to them in order that their devotion to the organization feels earned.  Maybe the society that we live in now, with its so-called instant gratification, has made us impatient.  Or maybe it has changed the standards we hold each other to.    
 
Not only has the nature of our private and chosen associations shifted.  Our economy is also changing to favor citizen professionals, who might mistakenly be called amateurs.  You can now earn money driving people around even if you don't own a taxi.  You can add to your income by charging people to stay on your property, even if you don't run a motel.  Meanwhile, porn stars increasingly compete with amateur performers. And being amateurs is a big part of their appeal.  We want to feel that others are like us--that they are us.  Being able to be the star, when you once had to simply gaze at stars with wonder from far away is empowering.  It is the way that anyone can do what almost everyone once had to just watch others do.  
 
And yet, camming is not for everyone.  Just because it’s possible for you to do it, that doesn't mean that it’s right for you.  Successful cam models dedicate themselves to their craft.  They work to discover what their clients want, and they find a way to give as much of that to them as they can.  They make it personal.  They put in the time.  If, after examining your willingness to commit yourself to becoming the person that you need to be, you decide that you want to pursue camming, Pandora Modeling will be there to make your journey possible.
 
Why Pandora Modeling?  There are all sorts of agencies out there, and because camming is something that you do yourself, from your own home, you might think that it doesn't much matter who represents you.  But there is a difference.  At Pandora Modeling we know that experience is the best teacher, and we have learned, over time, what it takes to be successful in this business.  If you are serious about wanting to become a cam model, then we are ready to share our knowledge with you.  
 
Most importantly, we not only see the future, we are working to define it.  It’s a future in which people use technology more and more to attain intimacy.  It’s a future in which the people who can adapt to change are going to increasingly outpace those who can't.  In driving the development of this industry, we see ourselves as a leader, and leaders must be responsible for setting standards.  At Pandora Modeling, we are guided by a set of principles that we believe should be at the foundation of any business venture.  We treat each and every one of our models like the unique human beings that they are, not just because it's the right thing to do, but because it’s good for business.  When you get treated with respect, you feel valued, and when you feel valued, you do your best work.  And when you do your best work, you will earn more.  When that happens, everyone wins.  The model prospers, the client gets what they came for, and the agency earns what it needs to keep providing its valuable services to new models.  
 
This is the big picture for us.  If you want to learn more about the step by step process of becoming a cam model, read on.  We are here for you.   
 
 

An Introduction To Using Social Media As A Webcam Model.

An Introduction To Using Social Media As A Webcam Model.

The truth is that we've been incredibly successful with zero social. The nature of our work is secretive. Most of our very successful performers are happy to pull in $10,000/month being completely anonymous and unknown in the real world. Niche specific fame gives them the ability to afford to shop at Whole Foods and the anonymity to not be bothered while they're there. While the customers insist upon the anonymity that the site provides.

Why do we gotta Tweet about it?