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

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

by Ramsey Network

9m•February 2, 2026
Listen to Episode

Overview of "I've Been Doing OnlyFans And Just Found Out I'm Pregnant" (Ramsey Network)

This episode features a caller, "Daisy" (21), who has been on OnlyFans for about three years and recently discovered she is ~5 weeks pregnant. Daisy wants to become a stay-at-home mom and leave OnlyFans, but she and her boyfriend (together 2.5 years) have been sharing finances and even both creating content. The host (Ramsey-style financial and life-advice) discusses practical financial steps, relationship and identity concerns, and emotional/mental-health implications of continuing sex-work while starting a family.

Key facts & context

  • Caller: Daisy, 21, found out she's pregnant ~5 weeks.
  • Relationship: Living with her boyfriend of 2.5 years; he is the father and they plan to marry soon.
  • Income:
    • Daisy: about $1,000/month from OnlyFans (her sole income).
    • Boyfriend: about $4,000/month as an electrical apprentice.
  • Savings & debt:
    • No consumer debt reported.
    • No emergency savings (previous savings used for taxes/life).
    • $20,000 in savings earmarked by Daisy’s mother for large milestones (house/marriage), not to be touched freely.
  • Health/insurance: Daisy currently on her mother's insurance; marriage may change coverage — needs verification.
  • Emotional state: Daisy feels distressed doing OnlyFans (breakdowns/crying) and wants to stop.

Main takeaways

  • Financially feasible: Replacing $1,000/month is relatively easy with low-effort side work (e.g., delivery, part-time).
  • Prioritize pregnancy and mental health: Host strongly recommends stopping OnlyFans to protect emotional well-being and relationship stability.
  • Marriage/legal steps: Host suggests accelerating marriage (simple courthouse wedding) to secure legal/financial advantages and formalize commitment before the baby arrives.
  • Protect emergency savings: The $20k from Daisy’s mother should remain as emergency/future-fund (not down payment or day-to-day spending).
  • Budget and live on one income: The couple must plan to live on the boyfriend’s income alone if Daisy quits OnlyFans; create a clear household budget and pay schedule.
  • Relationship red flags: Host is concerned that boyfriend being “okay” with both participating in OnlyFans is a warning sign; recommends premarital counseling and building community supports.
  • Use resources: Host references budgeting tool EveryDollar and suggests therapy (BetterHelp) for emotional support.

Notable quotes & insights

  • "You could replace that in a heartbeat doing anything else — $1,000 a month, super easy." (on replacing Daisy’s OnlyFans income)
  • "There is something, a dignity that gets placed back into you... This is not your identity." (on shutting down the account and mental health)
  • "That 20 grand is not down payment money. That is emergency fund money, especially with a baby on the way." (on preserving the mother’s savings)

Topics discussed

  • Financial planning for pregnancy and new parenthood
  • Replacing income from adult-content work
  • Relationship dynamics when both partners participate in sex-work
  • Insurance, marriage timing, and legal implications of combining finances
  • Emotional and mental health impacts of OnlyFans work
  • Practical career/earnings transition strategies
  • Recommended supports: premarital counseling, therapy, community/church

Action items / recommendations (practical checklist)

  • Immediately stop/close the OnlyFans account (host recommends “shut it down today”).
  • Create a formal household budget (use EveryDollar or similar) to plan living on the boyfriend’s income.
  • Do not touch the $20,000 held by Daisy’s mother; preserve it as emergency/milestone savings.
  • Schedule premarital counseling and/or relationship therapy to address boundaries and future parenting roles.
  • Verify health insurance options (if Daisy will lose her mother’s coverage after marriage) and secure coverage for pregnancy/childbirth.
  • Consider simple short-term income replacements (part-time work, deliveries, remote gigs) if needed while transitioning.
  • Discuss and agree on household financial responsibilities and a “pay schedule” (who pays what).
  • Build community support (church or other groups) and consider individual therapy for emotional processing.

Recommended next steps for Daisy (prioritized)

  1. Close OnlyFans and create a buffer plan for the $1k/month gap (temporary gig work).
  2. Meet with boyfriend to set a budget and finalize plans for marriage and parental responsibilities.
  3. Book premarital counseling and individual therapy.
  4. Confirm health insurance options and maternity coverage.
  5. Preserve the $20k for emergencies/house/marriage — do not use for monthly needs.

Resources mentioned

  • EveryDollar (budgeting app)
  • BetterHelp (online therapy)

This summary condenses the episode’s practical financial guidance, emotional and relationship concerns, and specific next steps recommended to help Daisy transition out of OnlyFans and prepare for pregnancy and parenthood.