"I've Been Doing OnlyFans And Just Found Out I'm Pregnant"

Summary

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Podcast Summary: "I've Been Doing OnlyFans And Just Found Out I'm Pregnant"

Podcast: The Ramsey Show Highlights
Host: Dave Ramsey (with Financial Coach, likely Rachel Cruze)
Date: February 2, 2026

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Episode Overview

In this short but impactful episode, Dave Ramsey and a financial coach talk with Daisy, a 21-year-old who calls in with a significant life crossroads: she's been earning income via OnlyFans for three years, but now, having just discovered she’s pregnant, wants to change her trajectory—becoming a stay-at-home mom and leaving OnlyFans behind. The conversation addresses financial logistics, relationships, Daisy's emotional well-being, and practical next steps. The hosts provide a blend of financial advice, moral guidance, and compassionate encouragement.

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Key Discussion Points and Insights

Daisy’s Situation: Background & Motivation

• Daisy’s Current Status:
  • 21 years old, three years on OnlyFans
  • Recently learned she’s 5 weeks pregnant (01:50)
  • Has wanted to quit OnlyFans for some time:

    "I have been wanting an out for a while now, but as of recently I found out I'm pregnant." (00:33, Daisy)

  • In a stable relationship (2.5 years, boyfriend is the baby’s father)
• Motivation to Change:
  • Pregnancy is a catalyst for leaving OnlyFans.

Financial Picture

• Income:

  • Daisy earns about $1,000/month from OnlyFans (confirmed at 01:23).
  • Boyfriend earns ~$4,000/month (as an electrical apprentice).
  • No current debt, but savings are depleted except for $20,000 her mother has saved for her, designated for major life milestones (home purchase, marriage).

    “That 20 grand is not down payment money. That is emergency fund money.” (07:45, Dave Ramsey)

• Combined Finances:

  • They have already combined finances before marriage, which both coaches warn against.

Viability of Replacing OnlyFans Income

• Easily Replaceable:
  • Coaches reassure Daisy that her income is easily replaceable:

    “The positive thing is you could replace that in a heartbeat doing anything else.” (01:28, Financial Coach)

    • Suggests simple jobs like Uber Eats could quickly close the gap.

Emotional and Relational Dynamics

• Daisy’s Struggle with OnlyFans:

  • She shares her distress about continuing the content:

    “Every time I go do it, I just have a complete breakdown and just cry about how much I don't want to do it.” (05:47, Daisy)

  • Coaches highlight the emotional and dignity costs:

    “There is something—a dignity that gets placed back into you… when that gets closed down.” (06:07, Financial Coach)
    “This is not your identity. It never was…this is not healthy in any way, shape, or form.” (06:19, Dave Ramsey)

• Boyfriend’s Involvement and Relationship Concerns:

  • It emerges both Daisy and her boyfriend participate on OnlyFans, though his primary income is from his apprenticeship.

    “We both do it.” (06:49, Daisy)

  • Coaches express concern about his comfort level with this arrangement:

    “I don’t like that the guy you’re marrying is okay with all of this, either. I don’t like that.” (08:28, Financial Coach)

Future Steps: Marriage, Insurance, Expenses

• Marriage Discussion:

  • Daisy would like marriage soon, preferably before the baby. Insurance (under her mother’s plan) is a complication, but Dave urges not to delay marriage for fear of losing that:

    “I would not get married because you think you may not have mom's insurance. If I’m in your shoes…let’s at least speed things up here.” (04:30, Dave Ramsey)
    “We can have a party later on down the road.” (04:48, Dave Ramsey)

• Financial Management and Housing:

  • Urged to treat boyfriend’s income as the sole budget, save emergency fund.
  • Not ready to buy a house—$20,000 is backup cash, not a down payment.
  • Encouragement to use a budget tool (EveryDollar).

• Counseling and Support:

  • Strongly recommends pre-marital counseling and finding community/church support.
  • Urges Daisy to detach from her current way of life for her family's well-being.

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Notable Quotes & Memorable Moments

• Daisy on her OnlyFans experience:

  “Every time I go do it, I just have a complete breakdown and just cry about how much I don't want to do it.”
  (05:47, Daisy)

• Financial Coach on stopping OnlyFans:

  “There is something—a dignity that gets placed back into you and who you are.”
  (06:07, Financial Coach)

• Dave’s call to act:

  “This is not your identity. It never was…this is not healthy in any way, shape, or form. I would shut it down today as a line in the sand to yourself.”
  (06:19, Dave Ramsey)

• On combining finances:

  “I would not be combining money with him until you guys are married.”
  (04:57, Financial Coach)

• Relationship concerns:

  “I don’t like that the guy you’re marrying is okay with all of this, either. I don’t like that.”
  (08:28, Financial Coach)

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Timestamps for Key Segments

• 00:06 Daisy explains her OnlyFans background and news of her pregnancy
• 01:23 Clarifies combined income/savings situation
• 02:20–02:35 Coaches emphasize how easily Daisy could replace her OnlyFans income
• 05:47 Daisy shares emotional distress over OnlyFans
• 06:19 Dave Ramsey and Financial Coach urge closing the account for her dignity and mental health
• 06:49–07:01 Both Daisy and her boyfriend participate on OnlyFans; clarification of his main income
• 07:42 Discussion about use of the $20k savings; advice not to buy a house yet
• 08:28 Final concerns about relationship dynamics and encouragement to seek counseling

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Tone and Final Takeaways

The hosts maintain compassion, clarity, and a bit of tough love throughout. Daisy is supported both in her desire to leave OnlyFans and to focus on her growing family, while the coaches set clear boundaries and realistic steps. The emotional and practical guidance encourages Daisy—and listeners in similar positions—to prioritize mental health, healthy relationships, and sound financial foundations.

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Summary prepared for listeners who want a comprehensive overview and for those facing similar pivotal life changes.

Transcript

[Dave Ramsey]

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[Daisy]

I'm just in a little bit of a knot with OnlyFans.

[Dave Ramsey]

Oh.

[Daisy]

Yeah. I've been doing it for about three years now, and as of recently, I've fallen pregnant and would like to, you know, become a stay at home mom from that.

[Dave Ramsey]

Okay, so there's multiple pieces here. You've been doing this for three years and you want out only now because you're trying to start a family?

[Daisy]

No, I have been wanting an out for a while now, but as of recently, I found out I'm pregnant. So it's like this just gave you.

[Dave Ramsey]

The kickstart to go Motivation.

[Financial Coach]

Okay. Daisy, how old are you?

[Daisy]

I am 21.

[Financial Coach]

You're 21. Okay. And who is the father of the baby? Is it a someone you're dating? Is it. Are you married? I mean, what's.

[Daisy]

It's my boyfriend. We've been together for about two and a half years now.

[Financial Coach]

Okay, wonderful.

[Dave Ramsey]

Okay. And what is your current income? Just you?

[Daisy]

My current income is honestly about $1,000 a month right now, because my boyfriend, he's the one that takes care of everything.

[Dave Ramsey]

Okay. How much does he make?

[Daisy]

He makes about 4,000.

[Dave Ramsey]

All right. And you guys have. You've combined finances already?

[Daisy]

Yes.

[Dave Ramsey]

Okay.

[Financial Coach]

And Daisy, is that. I mean, is the thousand dollars coming from only fans? That's your income?

[Daisy]

Yes, it is.

[Financial Coach]

Okay. Okay. Well, the positive thing is you could replace that in a heartbeat doing anything else. Right? I mean, it's so.

[Dave Ramsey]

So if he gets a $10,000 raise, he effectively replaced your income, which he. What does he do for work?

[Financial Coach]

Him or you, Daisy? I mean, just for the. For the time being, though. Do you know what I'm saying?

[Dave Ramsey]

How far along are you?

[Daisy]

I just found out last week, so I'm about five weeks.

[Dave Ramsey]

Oh, congrats. Okay.

[Financial Coach]

So early on.

[Daisy]

Thank you.

[Dave Ramsey]

That's good.

[Financial Coach]

How you feeling? This is.

[Daisy]

Oh, I'm feeling great.

[Financial Coach]

Oh, you're good.

[Daisy]

I've been trying for months now, so.

[Financial Coach]

Okay.

[Dave Ramsey]

Rachel meant like morning sickness.

[Financial Coach]

I meant like. Yeah, the first trimester is always tough.

[Daisy]

So actually, none of that, luckily. Thankfully.

[Financial Coach]

Good. Okay. So, Daisy. Yeah. I mean, so to be able to replace this. I mean, you could do this, you know, doing Uber Eats. You know what I mean? A thousand bucks a month.

[Dave Ramsey]

250 a week could be found.

[Financial Coach]

Yeah. Yeah, it could be found. Super easy. Which I'm. I'm thankful for, because sometimes people are looking to replace their income, and especially when you're in this, like, moral dilemma. Of how you're making your money. Sometimes you're trying to replace, like, 10,000amonth.

[Dave Ramsey]

Yeah.

[Financial Coach]

Yeah. Like a crazy amount that would be hard to replace. This is easy. So, yeah. So I.

[Daisy]

And luckily, we're not in debt either at all, so.

[Financial Coach]

Good.

[Dave Ramsey]

So no debt. You guys have anything in savings?

[Daisy]

We did have savings, but unfortunately that was taken from taxes and just. Just a bunch of life things. So, no, we don't have any emergency savings right now, but. However, we do have 20,000 in savings from my mother.

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[Daisy]

We do have 20,000 in savings from my mother.

[Dave Ramsey]

From your mother?

[Daisy]

Yes, my mom. She's kept a savings for me.

[Dave Ramsey]

Okay. And you have access to it now. Is this a. Like a gift that she's given you?

[Daisy]

It's whenever, like, we're ready for a house, ready for marriage, any big things like that.

[Dave Ramsey]

Okay. Well, speaking of marriage, when is that going to come into the picture?

[Daisy]

Hopefully soon. Hopefully soon.

[Dave Ramsey]

Like before the baby's here?

[Daisy]

Oh, yes. The ring, possibly yes. Marriage, possibly no. Because I'm under my mom's insurance right now.

[Dave Ramsey]

Okay. And you would lose that when you get married?

[Daisy]

I don't exactly know, but I'd have to recheck.

[Financial Coach]

I know. I think you can still. I mean. Yeah. Because your husband, if he. If he has a benefit of insurance, I think he can opt in as an individual. And if you're under 25, I think you can still.

[Dave Ramsey]

Yeah, I would. I would not get married because you think you may not have mom's insurance. So if I'm in your shoes, I'm going, hey, courthouse, wedding. The time to do all this in order is long gone. Let's at least speed things up here. And so if he's the one, he's gonna be the father. He's gonna be in this baby's life. You're committed to each other. Let's go ahead and get married. We can have a party later on down the road.

[Financial Coach]

Yeah.

[Daisy]

And I agree with that completely.

[Financial Coach]

Yeah. And that Way, Daisy, you guys can start to combine your lives even more. Right? I mean, it's not only from a legal standpoint when you get married, but also from a financial. Because I would not be combining money with him until you guys are married. And so there does have to be. Because you are living together, you're gonna have to figure out, like, a pay schedule.

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Right.

[Financial Coach]

Of. Okay, he's gonna be in charge of these things. I'm in charge of this. You know, whatever it looks like to run the household of how you guys are. But. But yeah, there's something about that marriage. And again, it's is. It is if he's the one. And I mean, he's gonna be in your life, I mean, I assume, regardless, because you guys have a kid together, you know? Um, but yeah, I think. Yeah, I think stopping the income source right now from the only fans, because.

[Dave Ramsey]

Are you done done? Like, account shut down?

[Daisy]

No, I don't have the account shut down. I've just been running it, but every time I go do it, I just have a complete breakdown and just cry about how much I don't want to do it.

[Financial Coach]

Wow, Daisy, for your. I mean, for your sake, girl, like, it's.

[Dave Ramsey]

It's not worth the money. And your. Your mental health, your emotional health, your relationship, there's a.

[Financial Coach]

There's. There's something trapped in there for you that would be freed up from you. I mean, seriously, when that gets closed down, there is something. A dignity that gets placed back into you and who you are.

[Dave Ramsey]

And so this is not your identity. It never was. And I know it's. It's hard to separate that because this is what you've been doing, and you've been getting attention and affirmation and money from this, but this is not healthy in any way, shape, or form.

[Daisy]

Yes.

[Dave Ramsey]

And so I would shut it down today as a line in the sand to yourself.

[Financial Coach]

Your boyfriend know about it?

[Daisy]

Yes. And we've just kind of made a goal to kind of push through it because we actually both.

[Financial Coach]

He's okay with it.

[Dave Ramsey]

He's involved.

[Daisy]

We both do it.

[Dave Ramsey]

Oh, boy.

[Financial Coach]

Is that where he's. Is that where he's making his money?

[Daisy]

No, no, no. He's an electrical apprentice, and that's where he makes his most money.

[Dave Ramsey]

That's an honorable position. Can he make more doing that? When is he done with the apprenticeship?

[Daisy]

He's about to come up on his two years this year.

[Dave Ramsey]

Okay. Like, before the baby's here, he'll be done and have an upgrade in income.

[Daisy]

Possibly not. I don't think so. But we have been looking for possibly finding him a new electrical job. Yes.

[Dave Ramsey]

Okay, and what are your household expenses right now? Have you guys actually sat down, done the math? You know, kind of what it's going to take to run your house?

[Daisy]

Yes. Correct. We kind of live in an apartment right now and we're hoping to actually move into a house, though, before rent.

[Dave Ramsey]

A house or buy a house, um.

[Daisy]

Depending on what the cards play out.

[Dave Ramsey]

Well, I can tell you the cards right now, you guys don't have the money to buy a house. That 20 grand is not down payment money. That is emergency fund money. Especially with a baby on the way. We are not going to touch that. So, Daisy, you've got some hard choices to make, some hard conversations, but you can do this. If you want to be a stay at home mom, you can do this. We got to figure out how to live on his income alone. And the hardest part is just detaching from this life that you guys have been living, correct?

[Daisy]

Yes. And I'd really love to because, I mean, like, you know, especially becoming parents, you know, you don't want that.

[Financial Coach]

And Daisy, listen. Listen to your gut. Something's telling you to get out. And I. And I would. I would do some deep marriage premarital counseling work because I don't like the guy you're marrying. Is okay with all of this. Either that I don't like that.

[Dave Ramsey]

That gives me serious pause. I'd find a good community, a good church home, and hopefully therapist. You can detach from this life you've been living. Best of luck. Create your free everydollar budget today. The simplest way to budget for your life.